Time Value of Money Calculator

Plan your investment journey to reach your financial goals

Goal Details

Goal Type

Choose whether your goal is a once-off amount, or a capital amount needed to fund an inflation-linked monthly income for X years.

Goal Amount in Today's Money (R)

If you choose “Future Cashflow Goal”, this field stays visible but is calculated for you and locked.

Monthly Cashflow Needed in Today's Money (R)

The monthly income you want to replicate in today’s buying power.

How Many Years Must This Cashflow Last?

The cashflow will be assumed to increase with inflation each year.

Already Saved Amount (R)

Funds you've already accumulated (optional)

Target Timeline

Years Until Goal

Your Current Age

Target Age

Expected Inflation Rate (% per year)

Expected Investment Return (% per year)

Yearly Contribution Escalation (% per year)

How much to increase your monthly contribution each year

Your Investment Plan

💰

Enter your details and click calculate
to see your investment plan

Goal Summary

Income Goal (Today)

Income at Goal Date (Start)

Income Duration

Inflation Escalation

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

Future Value Needed

Investment Period

Real Return Rate

Already Saved & Investment

Already Saved

Future Value of Savings

Still Need to Contribute

Fixed Monthly Contribution

Monthly Amount

Annual Amount

Same amount every month throughout the investment period

With Yearly Escalation

Starting Monthly

First Year Annual

Total Contributions Comparison

Fixed Total

Escalated Total

Year-by-Year Escalation Schedule

Year	Monthly	Annual	Cumulative