Worked examples
Real numbers, real scores.
“save $100K in 2 years”
22%
Bold, But Sane
- Savings needed
- $80,000
- Required / month
- $3,334
- Monthly shortfall
- $1333
“build a $10K emergency fund this year”
21%
Bold, But Sane
- Savings needed
- $8,500
- Required / month
- $709
- Monthly shortfall
- $208
“save $1 million by 40”
65%
The Group Chat Is Concerned
- Savings needed
- $950,000
- Required / month
- $7,917
- Monthly shortfall
- $4917
How it’s scored
Math, not vibes.
Every factor is scored on its own, capped, and added up to a score from 0 to 100. Same inputs, same score, every time. It measures how hard the plan leans on optimism, not your odds of success.
Full methodologySavings gap
Required monthly saving ÷ $250.
max 34
Contribution gap
(required monthly saving − planned contribution) ÷ $150.
max 36
Timeline compression
(24 − months) × 1.4.
max 20
Questions
Before you commit.
How much should I save each month to reach my goal?
Take the gap between your target and what you have, then divide by the months left. $80,000 over 24 months is about $3,333 a month. The calculator shows that number and how far it is from what you save today.
Does it include investment returns?
No. It deliberately assumes no returns, windfalls or emergencies, so the plan has to work on contributions alone. Anything you earn on top makes it easier.
Is this financial advice?
No. It is planning and entertainment: simple, transparent math about your own numbers. For investment or tax decisions, talk to a licensed professional.