Goal Planner
Set goals like buying a house, saving €50,000, or retiring at 55. TrendMandi calculates how much you need each month.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Goal Roadmap
Click chart to expand
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious assumptions.
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Monthly Savings Needed across its full range. Years has the biggest impact.
Focus your attention on Years — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Monthly Savings Needed: €665 (worst) → €665 (expected) → €665 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Set a financial goal and get a clear monthly savings plan with a visual roadmap.
How the calculation works
Calculates the monthly amount needed after accounting for current savings growth at your expected return rate.
Formula
Monthly = (Goal − FV(Current Savings)) / FV Annuity Factor
Example
To save €50,000 in 5 years with €10,000 already saved at 5% returns, you need ~€580/month.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Goal Planner. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Calculates the monthly amount needed after accounting for current savings growth at your expected return rate.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: To save €50,000 in 5 years with €10,000 already saved at 5% returns, you need ~€580/month.
Factors to Consider
- Start early — time reduces monthly burden
- Adjust for inflation on big purchases
- Keep emergency fund separate
Common Mistakes
- Setting unrealistic timelines
- Not accounting for goal price inflation
Frequently Asked Questions
Can I have multiple goals?+
Run the planner for each goal separately, then prioritize based on what fits your budget.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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