储蓄目标计算器
看看在你的时间表里，每月该存多少钱才能达到目标。
假设条件
每月需要存 · 计入假设利息时
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每月需要存 · 不计利息时
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已有储蓄的贡献占比
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预计余额与累计存入（假设）
模拟结果累计存入
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假设增长
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假设每月固定存入、按月复利且利率恒定为你的输入值。这不是产品推荐，也不是承诺。
Turn a target — an emergency fund, a trip, a down payment — into a realistic monthly plan. This simulator divides the gap between your goal and current savings across your timeline, with an optional hypothetical growth rate.
Start with the emergency fund
Before goal-specific saving, build a starter reserve of about one month of essential expenses, then grow toward 3–6 months. It keeps a surprise expense from becoming debt.
Keep the emergency fund liquid and separate from everyday spending so it is available but not tempting.
SMART goals
Specific, measurable, and time-bound goals succeed more often than vague intentions. Assign each goal a target amount, a date, and a separate labeled account.
If the required monthly amount is unrealistic, move the date or reduce the target — do not abandon the goal.
Assumptions, not promises
Any interest shown uses a hypothetical constant rate. Real savings rates change and may be near zero after inflation. The core lever you control is the contribution amount and consistency.
计算器常见问题
How much should my emergency fund be?
A common guideline is 3–6 months of essential expenses — more if income is irregular or dependents rely on you. It is a planning range, not a guarantee against every scenario.
Where should I keep goal savings?
Use a safe, liquid account you can label per goal. AILICAI does not recommend specific banks or products; compare fees, insurance protection, and accessibility yourself.
Is the projected growth guaranteed?
No. Growth figures are simulations with a hypothetical rate and are not promises of any return.