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Savings Goal Calculator

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Vague goals like "save more" rarely work. Specific, measurable financial goals with deadlines do. Here are realistic examples for South Africans at each time horizon.

Short-term goals (under 1 year)

  • Build a R20,000 starter emergency fund
  • Pay off a specific credit card
  • Save for December holidays without using credit

Medium-term goals (1–5 years)

  • Save a house deposit
  • Build a full 6-month emergency fund
  • Clear all non-mortgage debt
  • Buy a car with a larger deposit

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Long-term goals (5+ years)

  • Reach a R1 million net worth
  • Be on track for retirement at your age benchmark
  • Achieve financial independence (FIRE)
  • Pay off your home loan early

How to actually reach them

Make each goal SMART — specific, measurable, with a deadline. Then automate the saving. Use the savings goal calculator to find your monthly amount, and the financial coach to track your overall progress toward them.