# Savings goal planner

> Plan several savings goals around your paydays and see what you can fund by each date.

Canonical HTML: https://getclova.com/tools/savings-goal-planner

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Plan several savings goals around your paydays and see what you can fund by each date.

## Method and assumptions

Reconcile opening money once: subtract protected money and exclusive goal earmarks to find a common opening pool. Fill eligible goals in deadline order or confirmed priority order, capping every allocation at its remaining target. Contributions count only before each deadline check in the confirmed event order. Missed goals expire without recycling their funding. A separate deadline-prefix test compares cumulative opening gaps against common money available by each check. Its largest shortage is the additional money needed now for deadline-first feasibility. Weekly, fortnightly and anchored monthly dates remain editable. All calculations use integer AUD cents, with no interest, fees, withdrawals or returns. Nothing is saved or transferred.

Open the [interactive planner](https://getclova.com/tools/savings-goal-planner). JavaScript is required to recalculate.

## Guides that use this

- [How to turn a savings goal into a payday plan](https://getclova.com/blog/savings-goals)

- [How to save money in Australia](https://getclova.com/blog/how-to-save-money)

- [Emergency funds: how much you need and how to start one](https://getclova.com/blog/emergency-fund)