A savings goal tracker for people juggling more than one money target at the same time. Instead of a single calculator, this tool holds a whole portfolio of goals — an emergency fund, a holiday, a car, a house deposit, a new laptop — and shows each one’s progress, finish date and monthly requirement side by side. It is built for anyone running several sinking funds at once and wanting a single honest view of whether the plan actually adds up.
How it works
Each goal stores a target amount, how much you have saved so far, a planned monthly contribution and an optional deadline. From those four numbers the tracker derives everything else. The progress bar fills to your saved-over-target percentage. The finish-date estimate divides the remaining balance by your monthly contribution and counts that many months forward from today. When you set a deadline, it also computes the required monthly amount — the remaining balance divided by the whole months left — and compares it with your plan to label the goal ON TRACK or BEHIND.
Above the goal cards, a stacked projection chart (drawn with Chart.js) plots the combined balance month by month for the next three years. Each goal contributes its own coloured band, capped at its target so a finished goal stops growing, and a dashed line marks the combined target. That makes it obvious when your entire plan crosses the finish line. As you log real deposits with the add/withdraw box, every figure, bar and chart band updates immediately, and your goals are saved to your browser’s local storage so they persist between visits. You can withdraw too — enter a negative amount — which is handy when you dip into one fund to top up another.
Example
Suppose you set up three goals: a £6,000 emergency fund with £2,100 saved and £300/month, a £2,500 holiday with £900 saved and £200/month, and a £1,400 laptop already fully funded. The emergency fund shows 35% complete and finishes in about 13 months; the holiday shows 36% complete and finishes in 8 months; the laptop is marked DONE. The combined bar reads roughly 76% of £9,900, and the projection chart shows the whole plan funded a little over a year out. Give the emergency fund a 12-month deadline and it flips to BEHIND, telling you that you would need about £325/month instead of £300 to make the date.
| Goal | Target | Saved | Monthly | Finishes in |
|---|---|---|---|---|
| Emergency fund | £6,000 | £2,100 | £300 | ~13 months |
| Holiday | £2,500 | £900 | £200 | ~8 months |
| Laptop | £1,400 | £1,400 | — | Done |
Every calculation runs in your browser — no figures are uploaded, and you can export the whole table to CSV whenever you want a copy.