LockHabit

Savings & Goal Planner

Initial deposit + recurring contributions with compounding. Choose timing (deposit at begin or end), back-solve for the deposit or time to hit a goal, optionally adjust for taxes and inflation, and email a clean summary.

Basic plan

Amount you’re starting with today.
We can prefill from your Income tool (e.g., 10% of net).
How long you plan to contribute.
Leave blank if you just want a projection.

Snapshot

Projected balance
Estimated goal date
Total contributions (incl. initial)
Total interest earned
Inputs auto-save to this device.
Rate, compounding & currency ▾
Annual percentage yield (APY). We’ll map to compounding frequency.
How often interest compounds.
How often you add your recurring deposit.
Display only; does not change math.
Contribution timing ▾
“Beginning” grows slightly faster.
For visual schedule only.
Taxes & inflation (optional) ▾
Approximates taxable savings (ordinary income). Set 0% for tax-advantaged accounts.
We’ll show a rough inflation-adjusted balance.
Schedule & comparison ▾

First 12 months (approx.)

MonthContributionInterestEnd Balance

Quick A/B account compare