{"slug":"savings-goal","name":"Savings Goal","category":"fortune","tags":["saving","planning"],"tagline":"The monthly saving needed to hit a target by a deadline.","endpoint":"https://xearno.tools/api/v1/tools/savings-goal","page":"https://xearno.tools/t/savings-goal","description":"Given a target amount, what you already have, a time horizon, and an expected return, computes the required monthly contribution — and shows what waiting a year would cost you.","inputSchema":{"type":"object","properties":{"goal":{"description":"Target amount","type":"number","minimum":1,"default":100000},"current":{"description":"Already saved","type":"number","minimum":0,"default":10000},"years":{"description":"Years to goal (yr)","type":"number","minimum":0.5,"maximum":60,"default":5},"rate":{"description":"Annual return (%) Use a conservative rate for short horizons.","type":"number","minimum":-20,"maximum":50,"default":4}},"required":[],"additionalProperties":false},"methodology":["Solves the future-value equation for the contribution: C = (G − S·(1+i)^m)·i / ((1+i)^m − 1), with monthly compounding and end-of-month deposits.","If current savings alone compound past the goal, the required contribution is 0.","The \"one year later\" comparison recomputes the same equation with 12 fewer months — a concrete way to see the cost of waiting."],"usage":"POST https://xearno.tools/api/v1/tools/savings-goal with a JSON body matching inputSchema."}