Financial Calculators

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What savings amount should I start with?

Use this calculator to compute how much money you would need to start with to reach a savings goal.


Deposit amount

Rate of return

Savings goal

Number of years

Show amortization schedule


You would need to start with $0.03 to reach your savings goal.

Calculator tips

This calculator assumes a monthly deposit frequency and a monthly compounding period.

The start date is assumed to be the first day of the current month with periodic deposits beginning the first day of next month.

The savings goal is available upon your final deposit. The amount is adjusted by $0.03 to account for rounding.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Presented by TimeValue Software ©2025

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