Goal Planner
Every savings goal side by side: how much is left, the monthly amount that gets you there on time, and whether your plan fits your cash flow.
To grow $21,000 into a $60,000 down payment in 44 months at 3%, you need to save about $787 a month. The planner does that sum for each goal, compares it with what you plan to put in, and checks the total against the monthly surplus on your cash-flow page.
Figures as of 2026-11-13.| Target | $60,000 |
|---|---|
| Saved | $21,000 |
| Months left | 44 |
| Rate | 3% |
| Monthly needed | $787 |
Give each goal its own account or sub-account; money with a label on it is harder to spend by accident.
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Frequently asked questions
How much should I save each month for a goal?
Take the amount still needed, allow for interest on what you've saved, and divide over the months left. The planner does this for every goal and flags the ones that are behind.
Where should goal money live?
For goals under about five years, somewhere the value can't drop: a high-interest savings account or GICs, inside a TFSA ($7,000 of new room in 2026) or, for a first home, an FHSA ($8,000 a year, $40,000 lifetime).