Savings Goal Planner: 401k

Savings Goal Planner and Investment Goal Calculator — set a financial goal and see how much to save each month at a chosen rate of return. Model monthly contributions, step-up increases, one-time lump sums, inflation-adjusted targets and side-by-side compare — all offline, no signup, no bank link. Whether you are planning retirement, a house down payment, college savings or comparing lump sum vs monthly investing — this app shows projected math clearly so you can make informed decisions or bring clean numbers to a financial professional. Projections are educational estimates only — not financial advice. Returns are not guaranteed. ★ EVERYTHING THIS GOAL PLANNER DOES ★ 🧮 MONTHLY SAVINGS / 401K GOAL CALCULATOR Enter monthly contribution, duration and expected rate of return — see projected invested amount, projected growth and projected total value. Charts show growth over time. 📈 STEP-UP SAVINGS CALCULATOR Model an annual contribution increase (e.g. 10% per year). Compare a step-up plan vs a flat monthly amount from the same starting contribution. 🎯 GOAL PLANNER Set a goal — retirement, house down payment, education, car, wedding or vacation. Enter target amount and time horizon. The calculator shows the monthly savings required at a chosen rate of return. 💰 LUMP SUM CALCULATOR Enter a one-time investment, duration and rate of return — see projected maturity value. Useful for bonus, inheritance or windfall planning. ⚖️ LUMP SUM VS MONTHLY COMPARE See both strategies side by side for the same total investment amount at a given return assumption — then decide based on your cash flow. 🌡️ INFLATION CALCULATOR Enter a today-dollar goal and see the inflation-adjusted target 10, 15, 20 or 30 years from now. Helps set realistic long-term goals in real terms. 📊 VISUAL GROWTH CHARTS Line chart for value over time, pie chart for contributed amount vs projected growth. 💾 SAVED PLANS Save unlimited plans with tags — House, Car, Retirement, Education, Wedding. Reopen and edit as assumptions change. 🔒 OFFLINE & PRIVATE Works fully offline. No signup, no bank connection. Your plans stay on your device. Optional JSON export for your records. ★ KEY FEATURES ★ • Goal planner — monthly savings needed for a target • Step-up savings calculator • Lump sum calculator • Lump sum vs monthly compare • Inflation-adjusted goal calculator • Visual charts • Save plans with custom tags • USD and multi-currency support • Light + dark theme • Fully offline — no login ★ WHO USES THIS GOAL PLANNER? ★ • First-time savers learning how compounding works • Professionals planning retirement contributions • Parents saving for education • Couples planning a home down payment • DIY investors who want self-service math • Anyone comparing lump sum vs monthly investing PERFECT FOR: • January savings and retirement resolutions • Planning 401k or IRA contribution targets • Reverse-engineering a house down payment goal • Modelling step-up savings as income grows • Comparing lump sum vs monthly for a bonus • Understanding inflation impact on long-term goals DOWNLOAD NOW and plan your savings goals clearly — on your phone, offline, at your own pace. ⚠️ IMPORTANT DISCLAIMER This app provides investment PROJECTIONS based on a rate of return that YOU enter. Projections are educational estimates only — they are NOT guaranteed returns, NOT investment advice, and NOT a substitute for a qualified financial professional. Market returns vary and can be negative. Past performance does not guarantee future results. 📧 HELP US IMPROVE Email us at [email protected] or leave a comment on the Play Store.