Savings Planning
Savings Goal Calculator
Set your life goals, calculate how much to save each month for each one, and see your entire plan at a glance.
Choose your goal:
🏠 Home Down Payment
e.g. HK$2M / 8 years
Set Your Goal
How much you need to reach your goal
Years until you want to reach this goal
Current Resources & Expected Return
How much you've already saved for this goal
Expected annual investment return · Fixed deposit 3–4%, monthly ETF 5–8%
Monthly Budget (Optional)
Enter the max you can save each month to check if all your goals combined are feasible
🏠 Home Down Payment Analysis
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Enter a target amount
to see your required monthly savings
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SMART Goals
Set goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. Vague goals lead to vague results.
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Save First, Spend Later
Transfer your target savings amount as soon as you're paid — don't wait to see what's left at month-end. Auto-transfer to a separate account works best.
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Regular Reviews
Review your goal progress every 6 months and adjust savings amounts and investment strategy. Life changes — your plan should too.
Want to track daily expenses?
Expense Tracker →