This JavaScript Financial Goal Calculator puts complex financial formulas aside, leaving a user-friendly interface in plain English.The unique five-array configuration presented here allows the user to give each variable a range of values, thus mirroring the uncertainty involved in the real-life stock market or other such investments. Manipulating the Rate of Return on Investment (ROI) leads to an output similar to the College Fund example below. Manipulating Your Goal allows the investor to see the time needed to reach the goal. Adjusting Initial Capital and Monthly Invested allows for varying amounts in accordance with one's financial situation. Click here for the equations.

 YourGoal\$ InitialCapital\$ MonthlyInvested\$ ROI% Year InvestmentGain\$

College Fund - Various Goals - Millionaire

Example : College Fund - Five different ways to invest and achieve the \$50,000 College Fund

Based on historical data, we used

1. 3% (Bank Deposit),
2. 5% (T-bill),
3. 7% (T-bond),
4. 11% (Common Stock), and
5. 15% (Growth Stock)
for comparison purposes.
 Input Output Your Goal\$ Initial Capital\$ Monthly Invested\$ Return on Investment (ROI) % Years to Achieve Your Goal Investment Gain\$ 1 50000 5000 500 3 6.66 5325.08 2 50000 5000 500 5 6.16 8035.37 3 50000 5000 500 7 5.83 10586.18 4 50000 5000 500 11 5.16 14299.66 5 50000 5000 500 15 4.66 17225.53

Example : Various goals - Invested in stocks with 15% return - How long will it take to achieve them?:

 Input Output Your Goal\$ Initial Capital\$ Monthly Invested\$ Return on Investment (ROI) % Years to Achieve Your Goal Investment Gain\$ 1 2000 (PC) 1000 100 15 (stock) 0.75 164.6295 2 5000 (used car) 1000 100 15 2.5 1064.520 3 20000 (new car) 1000 100 15 7.66 10021.84 4 200000 (house) 1000 100 15 21.0 174238.1 5 1000000 (millionaire) 1000 100 15 31.6 963077.3

Example : A Millionaire - Invested in stocks with 15% return - The more you invest, the sooner you will be there.

 Input Output Your Goal\$ Initial Capital\$ Monthly Invested\$ Return on Investment (ROI) % Years to Achieve Your Goal Investment Gain\$ 1 1000000 1000 10 15 42.4 996208.8 2 1000000 1000 100 15 31.6 963077.3 3 1000000 0 1000 15 17.5 796542.4 4 1000000 1000 1000 15 17.4 796542.4 5 1000000 1000 10000 15 5.5 357463.6