Question 1

How does compound interest affect savings?

Accepted Answer

Compounded monthly at 5% APY, $500/month becomes ~$33,800 after 5 years instead of $30,000 without interest — about $3,800 of free growth. The earlier you start, the bigger the compound effect.

Question 2

Is my data uploaded?

Accepted Answer

No. The math happens in your browser.

Question 3

Should I include inflation?

Accepted Answer

Yes — your target value loses purchasing power over time. A €10,000 goal in 10 years is really €13,400 in today's money at 3% inflation. Add an inflation-adjusted target to the goal field for realistic planning.

Goal	Typical target
Emergency fund	3-6 months of expenses
House deposit	20% of property price
Wedding	$25-50k mid-range
Travel year	$15-30k for 12 months
Sabbatical	1× annual salary
F.I. retirement	25× annual expenses

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The maths

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