What's inside
- Plan: essential expenses, balance, months covered, target, still to save, progress, and milestones (starter goal, 1 month, 3 months, your target) with the month you'll reach each at your planned deposit
- Setup: up to 20 essential monthly expenses, target in months (3–6 is typical), starter goal, planned monthly deposit
- Log: up to 300 deposits and withdrawals, in any order
- Months: 24 months of deposits, withdrawals and balance, projected forward after today, against your target; a chart
- Sample: $3,650 a month of essentials, $8,739 saved: 2.4 months covered, 3 months by Jan 2027
Checked, not just designed: all 490 formulas recalculate with zero errors, and the plan, milestones and every month were recomputed independently in 5 scenarios per file.
Works in Excel and Google Sheets.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.