Estimate weekly deposits, earnings, and completion dates instantly. Test lump sums, growth rates, and timing. Reach your target with disciplined weekly planning and progress.
Use the advanced settings to estimate weeks needed, required weekly deposits, or future balance after a chosen number of weeks.
This example assumes $1,000 starting savings, a $100 weekly deposit, 4% annual growth, end-of-week deposits, and no annual increase.
| Week | Starting balance | Weekly deposit | Interest | Ending balance |
|---|---|---|---|---|
| 1 | $1,000.00 | $100.00 | $0.77 | $1,100.77 |
| 2 | $1,100.77 | $100.00 | $0.85 | $1,201.62 |
| 3 | $1,201.62 | $100.00 | $0.92 | $1,302.54 |
| 4 | $1,302.54 | $100.00 | $1.00 | $1,403.54 |
| 5 | $1,403.54 | $100.00 | $1.08 | $1,504.62 |
The calculator uses iterative weekly compounding. That makes it practical for uneven timeframes, step-up deposits, and goal-date planning.
Start with the remaining goal after subtracting current savings and any lump sum. Then divide by your weekly deposit for a simple estimate. This calculator improves that estimate by adding weekly growth, deposit timing, and yearly step-ups.
Saving $100 each week gives $5,200 in direct deposits over 52 weeks. Your final balance can be higher when you include starting savings, an initial lump sum, or investment growth. Enter $100 as the weekly contribution to test your exact scenario.
It estimates how fast your balance can grow using weekly deposits, starting savings, optional lump sums, and investment growth. It can also solve for the weekly deposit needed to hit a goal by a chosen deadline.
Weekly saving often feels easier because each deposit is smaller and more consistent with paycheck budgeting. It can also put money to work sooner. The better approach is the one you can maintain without interruption.
Over a few weeks, interest usually adds only a small amount. Over many months or years, it becomes far more important. Bigger starting balances and earlier deposits make compounding more noticeable.
A beginning-of-week deposit earns growth for that full week. An end-of-week deposit does not. That small timing difference repeats every week, so long-term plans show a larger gap.
Yes. Enter your emergency fund target, your current savings, and the amount you can save weekly. Many people use the projection mode to compare a conservative timeline against a more aggressive deposit plan.
Use the annual deposit increase field. It raises your base weekly contribution once each 52-week period. That is helpful when you expect future pay raises or a planned step-up in saving discipline.
Yes. A short deadline, small deposits, and low starting savings can leave a shortfall. In that case, increase the weekly amount, add a lump sum, extend the timeline, or lower the goal.
Enter the annual rate that best matches where the money will sit. Use a lower rate for cash savings and a more cautious estimate for investments. Conservative assumptions usually create safer plans.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.