Personal Finance
Will you actually hit your savings goal?
Some months you save more, some less; returns bounce around. A single "if I save $700 a month…" line ignores all of that. This template projects your balance over three years with the wobble built in — and shows your real odds of reaching the goal.
Get this in Google Sheets →The model
A monthly projection: your balance compounds at the return rate and grows by each monthly contribution. Contribution and annual return are both uncertain.
| Current savings | $15,000 |
| Monthly contribution | $400 – $700 – $1,000 (uncertain) |
| Annual return | 2% – 6% – 10% (uncertain) |
| Goal | $40,000 |
| Balance in 3 years | → simulated |
What Sortia tells you
Where you land after 36 months, across thousands of scenarios:
P5 (unlucky)$37.2K
Median$45.5K
P95 (lucky)$54.1K
Reach $40K goal85%
P5 · $37.2Kmedian · $45.5KP95 · $54.1K
You reach the $40,000 goal about 85% of the time — but roughly 1 in 7 paths fall short, some as low as $37K. That tail is the whole point: it tells you whether to nudge the monthly number up now or accept the risk. Change the goal, starting balance, and ranges to fit your own plan.
Try it in your own sheet
- Open Sortia in Google Sheets and choose Start from a template.
- Pick Will You Hit Your Savings Goal? — the model loads with the inputs filled in.
- Change the assumptions to fit your situation and press Run.