The pantry of plans
Jar ShelfSeveral savings goals, one monthly amount
List what you are saving for and the one amount you can put aside each month. Each goal becomes a jar: what it needs a month, what it gets once the goals above it are fed, and whether it fills by its date. Free, in your browser.
1 Your goals and your monthly amount free
Money goes down the list in order: the first goal gets all it needs, then the next, until the monthly amount runs out. Use the arrows to change the order.
2 The shelf and the plan free
saved today where the jar stands by its date later month, if the date moves
Not worked out
| Goal | Needs /mo | Gets /mo | Call | By its date |
|---|
3 Read the plan back to me
One run reads the plan back goal by goal in plain words: what each jar gets and what that means, where to keep its money, the one choice you face and the split for the first month. The sums, the calls and the verdict stay as they are.
Your plan, read back - none yet
-The choice
The first month
Look again
The page's check
4 Saved plans
How the page decides
What each goal needs. The monthly that, together with what is saved so far, reaches the target by its month at the growth rate you give, compounded monthly: the sinking-fund formula, payment = gap × r / ((1 + r)n − 1), rounded up to a whole amount. If you give a yearly price rise, each target grows by it until its month. Saving runs from the start month to the goal's month, both included.
Who gets what. Your monthly amount goes down the list in order, and each goal gets what it needs while money is left. The usual order puts an emergency fund first, then retirement, then education, then a home, then everything else; within those, fixed dates before ones that can move, then the soonest.
The calls. On track: it gets all it needs. Paused: it gets nothing. Stretch the date: it gets part of what it needs and its date can move, so it fills later. Top up: it gets part of what it needs and its date is fixed (or would slip by more than ten years). The verdict, first match wins: any top up or pause, short each month; any stretch, fits if dates move; otherwise it all fits.
Where the money waits. An emergency fund, or anything needed within 3 years: easy-access savings. 3 to 7 years: mostly savings or short-term bonds. Further off: a spread of long-term investments.
Not financial advice. Growth is an assumption, never a promise, and investments can fall as well as rise. This is general information to help you think, not advice about your own situation.