How does the goal calculator work backwards?
The goal calculator turns the projection around. Instead of asking what comes out, it asks what has to go in every month for a target amount to be reached.
Three levers lead to it: more years, a higher assumed return, or a larger initial investment. Time usually does more than it looks, because it works on every contribution.
Four quantities, three of them yours to turn. The contribution is what follows.
US$100,000 in 15 years, starting from US$10,000 at 14.7 % a year, asks for US$36.23 a month.
15 years · 14.7 % per year · Initial investment US$10,000
Questions people ask
How much a month does it take to reach a goal?
That depends on the goal, the starting capital, the horizon and the assumed return. The goal calculator solves the sum for the monthly amount.
What changes more, a higher monthly amount or a longer horizon?
Usually the horizon, because it acts on everything that is already there. The answer depends on the figures that are set.
What if the goal cannot be reached?
Then the sum says so. Not reachable within a hundred years means one of the assumptions would have to change.
Source: Annual values of the comparison series, as of 2025, retrieved 2026-11-09
A target amount and the contribution three levers ask for.
The simulation, the comparison and the Beam stay free.
Education, not advice. Disclaimer