What return should I assume?

The tool will not choose for you, and that is deliberate. Run it twice, two points apart, and see how much the answer moves. A goal that only works at the higher number is a goal that depends on markets rather than on you.

Why does inflation change the required contribution?

Because a goal named in today's money is a larger number on the day. Over thirty years at two percent, it is roughly eighty percent larger. Solving against the un-inflated figure is the most common way a plan is quietly short.

Does it account for taxes and fees?

No. Both depend on a jurisdiction and a wrapper this tool does not ask about. Fee drag has its own tool, and it is worth running alongside this one.

Witan Goal Planner

How much do I need to invest each month?

Name a goal, a horizon and an assumption. The tool solves the monthly contribution that reaches it, and shows how much of the result is your money and how much is time.

Your assumptions

Goal amount

My goal is expressed in today's money

If it is, the amount needed on the day is larger. We inflate it before solving.

Already invested

Horizon

Assumed annual return

An assumption you choose, never a forecast we make.

Assumed annual inflation

Display currency

Required monthly contribution

€749

Paid at the end of each month, for 20 years, to reach €371,487.

Amount needed on the day

€371,487

Total you pay in

€189,649

Of which growth

€181,838

Worth in today's money

€250,000

How the money gets therePortfolio valueWhat you paid in

The gap between the two lines is compounding. It widens with time, not with effort.

Show these figures as a table

Year	Portfolio value	What you paid in
0	€10,000	€10,000
1	€19,827	€18,982
2	€30,243	€27,965
3	€41,285	€36,947
4	€52,989	€45,930
5	€65,395	€54,912
6	€78,545	€63,895
7	€92,485	€72,877
8	€107,261	€81,860
9	€122,924	€90,842
10	€139,526	€99,824
11	€157,124	€108,807
12	€175,779	€117,789
13	€195,552	€126,772
14	€216,512	€135,754
15	€238,730	€144,737
16	€262,280	€153,719
17	€287,244	€162,702
18	€313,706	€171,684
19	€341,755	€180,666
20	€371,487	€189,649

Three levers, in order of what you control

Five more years

€543

Required each month instead.

Paying €100 more each month

22 months earlier

Reaches the goal this much sooner.

If the return is 4.0% instead

€961

Required each month instead.

Method, sources and limits

Method version: 1.0.0

Monthly compounding, contributions at the end of each month, no taxes and no fees. The assumed return is yours, not ours: nothing on this page forecasts a market.

Past performance is not a guide to future returns. These figures describe what happened over the period shown and nothing else.

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Your assumptions

Three levers, in order of what you control

Keep going

Questions about this tool