Can all your financial goals fit your income?
Set each target and timeline below. See what every goal requires monthly, and what they require together.
What are you building toward?
Add every dream competing for the same monthly income.
Add a goal to calculate its monthly requirement. Your combined monthly amount will build here.
Planning estimates are not guarantees. The income comparison does not include living expenses or debt payments.
The individual plans look easy. The combined plan tells the truth.
Most calculators show what one goal requires at a time. A home, retirement and a wedding each seem manageable on their own. Add them up and the total is what your plan actually has to support, so EnvisionWorth prices each goal separately, then combines them into one Dream Number.
A clear estimate, with clear assumptions
Each goal is calculated separately.
The amounts are combined into your Dream Number.
The total is shown as a share of take-home income.
Questions before you begin
Can I calculate several goals at once?
Yes, that is the whole point. Add as many goals as you like (a home, retirement, a wedding, education, and more), each with its own target and timeline. We price each one separately, then combine them into a single monthly Dream Number so you can see what they all cost together each month.
How is the monthly amount calculated?
For each goal it is the level monthly contribution that, growing at an assumed annual rate until your target date, reaches your target. In finance terms it is the future value of an ordinary annuity, solved for the payment. We use about 4% a year for conservative goals, 7% for balanced, and 10% for aggressive. Your Dream Number is simply those per-goal amounts added up.
Can I include money I have already saved?
The free calculator plans from your targets and timelines alone, so you can get a number in seconds with no signup. To factor in money you already have, and assign your real holdings to specific goals, create a free account and continue into the full plan.
How much of my income should go to my goals?
Common guidance puts a healthy baseline around 15% to 20% of take-home pay for a single goal. The 50/30/20 rule sets aside 20% for savings and debt, and Fidelity’s 50/15/5 splits 15% to retirement plus 5% to shorter-term goals. Because your goals draw on the same money, this calculator flags a combined total under 40% of take-home as room, 40% to 50% as a stretch, and over 50% as high pressure.
Does this replace a complete budget?
No. It compares your goal contributions with your income. It does not track living expenses or debt payments, so treat it as a planning guide, not a full budget or a guarantee of affordability.
Is this financial advice?
No. It is a planning estimate to help you understand what your goals take. Actual returns vary and are not guaranteed, and this is not personalized investment advice.