Rytvae Consulting · Think Right · Invest Right
Time to Goal Calculator
Result
Chart
Show formula & working
Solves PV × (1 + r)n + C × ((1 + r)n − 1) ÷ r = FV for n (Excel NPER), rounded up to whole months
Details
How this works
NPER answers 'how long?'. A higher contribution or return shortens the time; time also compounds — the last years add the most.
The answer assumes a steady return, which real investments never deliver.
Frequently asked questions
Why round up?
You reach the target during the last month, so the full month is counted.
Can I reach the goal with no contributions?
Yes, if the starting amount grows enough — set the contribution to zero.