Time Value of Money Calculator

Plan your investment journey to reach your financial goals

Goal Details

Choose whether your goal is a once-off amount, or a capital amount needed to fund an inflation-linked monthly income for X years.
If you choose “Future Cashflow Goal”, this field stays visible but is calculated for you and locked.
The monthly income you want to replicate in today’s buying power.
Choose whether you want to enter how many years the cashflow must last, or the age when it ends.
The cashflow is assumed to increase with inflation each year.
This automatically uses your “Target Age” from the timeline section below.
Cashflow duration will be calculated as (End Age − Start Age).
Funds you've already accumulated (optional)
How much to increase your monthly contribution each year

Your Investment Plan

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Enter your details and click calculate
to see your investment plan
Goal Summary

Income Goal (Today)

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Income at Goal Date (Start)

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Income Duration

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Inflation Escalation

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The “Future Value Needed” below becomes the capital required at the goal date to fund this inflation-linked cashflow for the chosen duration (using your investment return during that period).

Goal in Today's Value

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Future Value Needed

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Investment Period

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Real Return Rate

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Already Saved & Investment

Already Saved

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Future Value of Savings

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Still Need to Contribute

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Fixed Monthly Contribution

Monthly Amount

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Annual Amount

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Same amount every month throughout the investment period
With Yearly Escalation

Starting Monthly

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First Year Annual

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Total Contributions Comparison

Fixed Total

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Escalated Total

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Year-by-Year Escalation Schedule

Year Monthly Annual Cumulative
Results are estimates based on constant rates. Actual returns may vary.