Time Value of Money Calculator

Plan your investment journey to reach your financial goals

Goal Details

Goal Amount in Today's Money (R)

What you want at your target date, valued in today's purchasing power

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

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Enter your details and click calculate
to see your investment plan

Goal Summary

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	Monthly	Annual	Cumulative