Savings

Savings Goal Simulator

Calculate how much to save monthly to reach your goal, or estimate when you'll reach it.

Your project

Calculation mode

Target amount (€)

Initial capital (€)

Duration (years)

Annual return (%)

Required monthly savings

358 €

Annual return (%) 3 % · 10 years

Daily savings effort

12 €

Interest earned

7 064 €

Total contributed

42 936 €

Capital breakdown

Initial capital (€)

Total contributed

Interest earned

Why set a savings goal?

Defining a precise financial goal (property down payment, travel, emergency fund, early retirement) helps structure your savings and measure progress. The simulator includes compound interest to show how your money works for you.

The compound interest effect on your savings

Compound interest grows your capital exponentially: the interest earned itself produces interest. Over 20 years at 5% per year, an initial capital of 10,000 EUR with 200 EUR/month savings reaches approximately 92,000 EUR, including 40,000 EUR in cumulated interest.

Strategies to reach your goal faster

Automate your savings transfers, gradually increase the amount (rule of 1% more each year), invest in vehicles suited to your horizon (savings account for short term, PEA/life insurance for long term), and review your goal regularly.

Frequently asked questions

How much to save monthly for 100,000 EUR in 10 years?▼

At 5% annual return, you need about 645 EUR per month. Without returns, it would be 833 EUR/month. Compound interest reduces the savings effort by 22%.

What return rate to use?▼

For a Livret A: 2.4%. For life insurance (euros fund): 3%. For a diversified long-term PEA: 6-8%. Use a conservative rate to avoid overestimating.

Do I need initial capital to start?▼

No, consistency is key. Even 50 EUR/month at 5% over 20 years yields over 20,000 EUR. Initial capital simply accelerates reaching the goal.

How to increase savings progressively?▼

The 1% method: increase your savings by 1% of your salary each year. It goes unnoticed but multiplies your savings capacity over time.

Which investment for which timeframe?▼

Short term (< 2 years): Livret A. Medium term (2-5 years): euro funds in life insurance. Long term (> 5 years): PEA with stocks, diversified ETFs.