Free savings goal calculator

Turn a big number into small deposits

See an estimated finish date, the deposits remaining, and a 20-punch plan for a sinking fund, emergency buffer, trip, or treat.

Plan your savings goal

This simple version ignores interest so the habit stays easy to see.

Goal amount ($)

Already saved ($)

Each deposit ($)

Deposit frequency

Your savings card

Adjust any amount to compare plans.

Make money goals visible

What is a sinking fund?

A sinking fund is money you set aside gradually for a known future expense. Instead of letting a holiday, annual bill, new laptop, or car repair arrive all at once, you turn the total into smaller recurring deposits.

Pick a contribution you can repeat

A larger transfer reaches the goal sooner, but a smaller automatic amount may be easier to protect. Use the calculator to compare a weekly rhythm with a monthly one, then choose the version that fits how you are paid.

Give every punch a value

A twenty-slot card makes an abstract balance tactile. For a $1,000 goal, each punch can represent $50. For a goal with uneven deposits, punch only when the next threshold is crossed. The visual should clarify progress, not police every dollar.

For a practical setup, see our sinking fund savings challenge guide.

Keep your next deposit in view

Create a private savings card in Punchcard and punch each time you transfer the amount. Punchcard does not connect to your bank.

Create a savings card