How Much Should I Invest Per Month?
Enter your goal and time horizon. We'll tell you the exact monthly investment needed to get there.
To reach $500,000 in 15 years
$1,518/mo
Growth to your goal
More time = less per month
5 years
$6,826
/mo
10 years
$2,808
/mo
15 years
$1,518
/mo
20 years
$909
/mo
25 years
$569
/mo
30 years
$362
/mo
Return rate scenarios
Conservative (5%)
$1,810/mo
Your estimate (7%)
$1,518/mo
Aggressive (10%)
$1,150/mo
How This Calculator Works
This calculator solves the compound interest formula in reverse. Instead of asking “how much will I have?”, it asks “how much do I need to invest each month to hit my target?”
It accounts for your existing savings (which continue to grow) and calculates the additional monthly contribution needed. The “more time = less per month” section shows how powerful starting early really is — an extra 5 years can cut your required savings rate nearly in half.
All amounts are in USD. Returns are nominal (before inflation).