You keep saying “I’m saving for a new laptop.” “I want to pay my rent upfront next year.” “I’m building my business capital.” Great. But when? When exactly will you have that money?

This calculator turns your vague financial dreams into scheduled reality. It’s the difference between “someday I’ll travel” and “in 8 months, I’m booking my Zanzibar trip.”

Step-By-Step Breakdown

Pick Your Goal The dropdown has popular goals: emergency fund, new phone, laptop, rent, car, business capital, wedding, vacation, education. Choose one or select your own vibe.

Target Amount How much do you need? New iPhone 15? That’s about ₦1.5M. Rent for your one-bedroom? Maybe ₦600k. Business capital? ₦2M? Type the real number. Dreams need real numbers.

Current Savings Be honest. How much do you have RIGHT NOW towards this goal? ₦50k? ₦200k? Even if it’s ₦5k, type it. Starting is better than stalling.

Monthly Contribution This is the magic number. How much can you realistically save every month? Not “I’ll try to save whatever’s left” (because nothing will be left). An actual amount. ₦20k? ₦50k? ₦100k? Commit to a number.

Start Date When are you starting this journey? Today? Next month? Pick the date and stick to it.

What The Calculator Reveals

Achievement Date: The exact day you’ll hit your goal. Not “maybe next year” or “hopefully soon.” An actual date. June 15, 2026. December 2025. You’ll know.

Progress Bar: Visual motivation. As you save, you can come back and update your current savings to see this bar fill up. It’s like loading your future.

Time to Goal: “12 months” is easier to process than “idk, when I have enough.” Your brain can work with timelines.

Months Left: The countdown. Every month that passes, you’re one month closer. That’s powerful.

Why This Works

Because goals without deadlines are just wishes. When you know saving ₦30k monthly for 18 months gets you that laptop, suddenly ₦30k monthly becomes non-negotiable. You cut the unnecessary stuff. You get creative. You make it happen.

Plus, watching the progress bar fill up is ridiculously satisfying. It’s proof you’re not just talking, you’re doing.

Life Hack: Set an automatic transfer from your main account to a separate savings account on payday. Before you see the money, before you spend it, it’s already working towards your goal. By the time your achievement date comes, you’ll be shocked at how effortless it felt.

The calculator gives you the roadmap. You just have to drive.