GinkouStart tracking free

Free savings goal calculator

Name your dream.
Fill the jar.

A trip, a home deposit, a wedding. See what to save each month to get there by your date, priced in any currency, then track it with the real accounts that hold the money.

Plan my dream Start tracking free

✈️ Japan trip jar

10% full

Ready in 9 months

Saved

$400

Trip in $

$4,000

$1 buys

¥158.4

🗺️ Japan trip: ¥633,600, about $4,000

What you get

Your monthly amount

What to put away each month, each week and each day to get there on time.

Your date

Or start from what you can save a month and see when your dream is paid for.

Priced in any currency

A trip to Japan in yen while you save in dollars, converted at today's rate.

Free and private

No ads, no premium tier. Your data stays on your device.

Savings goal calculator

How much to save each month

Pick your dream, what it costs and what you've saved. Choose a date to see the monthly amount, or a monthly amount to see the date. Prices in another currency are converted for you.

Your currency

Your dream

Priced in

The currency you’ll pay in. It can differ from the one you save in.

¥600,000

About $3,801 in dollars at today's rate.

$500

Whatever you've already put aside for it.

Plan it

in 1 year

That's October 2027.

Save each month

$275

✈️ Japan trip by October 2027

13% full

A week

$63

A day

$9.04

Still to go

$3,301

💱 ¥600,000 is about $3,801 at ¥158 per $1. Ginkou updates the rate every day.

  1. 10%✓ DoneFirst shiny rocks: reached
  2. 25%Dec ’26A quarter: by December 2026
  3. 50%Apr ’27Halfway: by April 2027
  4. 75%Jul ’27Land ahoy: by July 2027
  5. 100%Oct ’27Dream reached: by October 2027

When each milestone lands, at this monthly amount

Your Japan trip is priced in yen: ¥600,000, about $3,801 today. $275 a month gets you there by October 2027, sooner if the rate moves your way.

Your numbers come with you. No account needed.

The savings goal math, in plain words

Monthly savings needed
= (Cost − already saved) ÷ months left
A $3,800 trip, $500 saved, 12 months away: $3,300 ÷ 12 = $275 a month.
Weekly and daily amount
= Monthly amount × 12 ÷ 52 weeks (or ÷ 365 days)
$275 a month is $3,300 a year: about $63 a week, or $9 a day.
Months to your dream
= (Cost − already saved) ÷ what you save a month, rounded up
$3,300 to go at $300 a month: 11 months.
A price in another currency
= Price ÷ units per dollar (or your currency)
A ¥600,000 trip at ¥157.86 per $1: about $3,801.

A simple plan with no interest or price changes, not financial advice. Currency conversions use recent reference rates; the rate you get when you pay will differ.

More than a calculator

Every dream jar, filled with your real money

A calculator gives you a monthly number once. Ginkou keeps it true: each jar is linked to the accounts that hold the money, in any currency, and the months left move the moment your money does.

Your dream jars

  • Japan trip

    Yen account

    ¥412,000

    of ¥640,000

    $2,610

  • Home deposit

    Savings in Lisbon

    €18,500

    of €40,000

    $20,819

  • Wedding

    Savings in São Paulo

    R$21,000

    of R$60,000

    $4,022

  • New car

    High-yield savings

    $4,200

    of $12,000

    35% full

All your dreams

$31,651

of $72,560 · 44% saved

A jar for every dream

Each dream gets its own jar, linked to the real accounts that hold the money. Its progress is your actual balance, not a number you typed once.

Saved in any currency

Yen for the trip, euros for the flat, reais for the wedding. Each account keeps its own currency and every jar adds up in the one you choose, with fresh daily rates.

Three taps or a bank statement

Log a deposit in three taps, or import a CSV bank statement. Automatic bank connections are planned, starting with Open Finance in Brazil.

Months left, always current

Put money in, or skip a month, and the months left and what to save each month update right away.

Milestones

Every rock in the jar is a step on the map

A big dream is easier as a few smaller ones. Ginkou marks each step as your jar fills, with how far you've come and how long is left.

  1. Mark the map

    Give your dream a name, a price and a date. Now it's a plan with a monthly number, not a someday.

    A $4,000 trip at $400 a month → 10 months

  2. First shiny rocks

    10% saved

    The first tenth is the hardest. It proves the monthly amount fits the life you actually live.

    $400 in the jar · 9 months to go

  3. A quarter of the way

    25% saved

    One rock in four is in. Miss a month and nothing breaks: Ginkou spreads what's left over the months you have.

    $1,000 in the jar · 8 months to go

  4. Halfway across

    50% saved

    Half the price is in the jar. A good moment to watch prices and book early when that saves you money.

    $2,000 in the jar · 5 months to go

  5. Land ahoy

    75% saved

    Three quarters saved. The rest is a few paydays away, so you can start planning the fun parts.

    $3,000 in the jar · 3 months to go

  6. Dream reached

    100% saved

    Fully funded with money you already have. No card balance waiting for you when you get home.

    $4,000 saved · time to book

A small green island: the dream marked on the map

Start

Mark the map

Told with a $4,000 trip and $400 saved a month.

Your dream counselor

Meet Ollie. Keeper of shiny rocks.

An adventurous otter with a pocket full of shiny rocks and a treasure map for your dream. Ollie keeps your jar, your date and your monthly amount in view, and talks to you the way you choose.

Ollie

Otter

“Collecting shiny rocks for big dreams.”

Keeps a pocket full of shiny rocks, each one a step toward a dream. Has a treasure map for yours.

How Ollie talks to you

“”

  • Dream jars that fill with shiny rocks, with the months left and what to save each month.
  • Milestones at 10%, 25%, 50% and 75%, so a long dream has places to stop and cheer.
  • Big spends shown in hours of work, so you can ask if it's worth a rock from the jar.

Questions

Savings goal questions, honest answers

How much should I save each month for a goal?

Take what it costs, subtract what you've already saved, and divide by the months until you need it. A $3,800 trip with $500 saved and 12 months to go needs $275 a month, which is about $63 a week or $9 a day.

How long will it take to reach my savings goal?

Divide what's left to save by what you can put away each month, and round up. $3,300 to go at $300 a month takes 11 months. Pick “By a monthly amount” in the calculator and it gives you the month you'll get there.

How do I save for a trip abroad in another currency?

Price the trip in the currency you'll spend, then convert it into the one you save in. A ¥600,000 trip to Japan is about $3,801 at ¥157.86 per dollar. Ginkou keeps both and updates the rate daily, so a weaker yen shows up as a cheaper trip.

How much do I need for a house deposit?

It depends on your country and lender, but deposits are often between 5% and 20% of the price, plus fees. Work out that amount, set it as the cost and pick a date: the calculator tells you what to save each month. Check the exact figure with your lender.

What is a sinking fund?

A sinking fund is money you put aside a little at a time for a cost you know is coming, like a wedding, a car or a holiday. It's the same math as this calculator: the cost divided by the months you have. In Ginkou each one is its own jar.

Can I save for several goals at once?

Yes. Each dream gets its own jar with its own price, date and currency, linked to the accounts that hold the money. Ginkou shows what each one needs a month and the total across all of them in the currency you choose.

What happens if I miss a month?

Nothing breaks. The months left get shorter and the monthly amount is worked out again from what's really in the jar, so you see exactly what it takes to stay on track, or how far a new date would push it.

Is Ginkou free? Is this financial advice?

It's free, with no ads and no premium tier, and your data stays on your device unless you choose to sync it. It isn't financial advice: Ollie helps you see your own numbers and stick to a plan, but for big decisions like a mortgage talk to a licensed professional.

More free calculators

Plan the rest of your money too

Every goal has its own free tool, and in Ginkou they all run on the same real accounts.

Give your dream a date.

Free, private, and your first dream jar is ready in under three minutes.

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