Calculator
How much to save each month? A savings-goal calculator
Give the goal in today’s money, the deadline and what you already have. The calculator converts the goal to prices on the purchase date, includes after-tax interest and gives the monthly amount to save. Plus the size of an emergency fund and the time to build it.
Save every month
1 688PLN/month
- Goal in złoty on the purchase date
- 121 665 zł
- What you already have grows to
- 11 722 zł
- You will pay in
- 111 306 zł
- Interest adds (after tax)
- 10 360 zł
- Savings balance
- Contributions only
- The fund is PLN 30 000 – at this monthly saving you reach it in 18 mo..
- Keep the emergency fund in a savings account or ROR/DOR bonds – available at once, not in equities.
Indicative result – not a loan offer or investment advice. Statutory and market parameters checked on 2026-10-10.
An indicative tool: the result is an order of magnitude on your assumptions, not a valuation or tax, legal or investment advice. Data entered into the form is never sent or stored anywhere.
How it is computed
- 1The goal in future złotyGoal × (1 + inflation)^years – because in five years the same flat, car or year of studies will cost more. It can be switched off if the goal is a nominal amount (e.g. repaying a debt).
- 2Monthly savingWhat you have grows over the whole period. The shortfall is split into equal payments at the start of each month, with interest after 19 % tax at each capitalisation – the way savings accounts and deposits work.
Frequently asked questions
How big should an emergency fund be?
Typically 3–6 months of fixed household costs: rent or instalment, food, bills, transport. With uncertain income (a single earner, self-employment, seasonal work) 6–12 months is safer.
What interest rate should I assume?
For a goal up to 2–3 years – what a savings account or deposit really pays (about 3 % in October 2026). Longer – treasury bonds, 4–5 %. Equities make sense only beyond 7–10 years, and not for money that must be there on a given date.
What if I cannot save that much monthly?
There are three levers: a later deadline, a smaller goal or more capital at the start. The calculator shows each at once – moving the deadline by a year usually lowers the payment more than you would expect.
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