Target savings estimate

Calculate the required monthly contribution in whole yen to reach a target amount in the selected years.

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Calculation basis and official references

Reviewed on:

Formula basis

Based on the future-value formula for recurring deposits, invert the equation to the smallest monthly payment that reaches at least the target amount.

Calculation method

This estimate calculates the monthly contribution needed in Japan to reach a target amount over a chosen period at an assumed annual return rate.

Exclusions and checks required

  • The assumed return does not guarantee future performance and principal can decrease depending on market risk.
  • Fees, market volatility, tax treatment, and deposit timing can change the final amount significantly.
  • Account terms for deposits, funds, and tax regimes should be confirmed separately.

Example input:：Plan to accumulate 3,000,000 JPY in 5 years

targetYen
3000000
termYears
5
annualRatePercent
1.2
contributionFrequency
Monthly
depositTiming
Beginning of month
taxMode
After-tax

Required savings depend on assumed return and deposit timing, and are not a guarantee of reaching the target.

Official references

FAQ

Who is this calculator for?

Calculate the required monthly contribution in whole yen to reach a target amount in the selected years.

What values should I enter?

Applies to: Savings / The minimum whole-yen monthly contribution is found using binary search.

How should I interpret this estimate?

This estimate calculates the monthly contribution needed in Japan to reach a target amount over a chosen period at an assumed annual return rate.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.
  3. The minimum whole-yen monthly contribution is found using binary search.

Official references