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SAVING / PERIODIC TARGET

Sinking Fund Calculator

Calculate the recurring end-of-period deposit needed to grow a current balance toward a future target at a constant nominal annual rate.

  • 01 Calculated in this tab
  • 02 Values stay in this browser tab
  • 03 Use boundary

Conversion input

Known value

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Scenario

Rates and timing

Preparing the calculator...

Use boundary

Calculation path

The current balance compounds for every period; the remaining target gap is divided by an ordinary-annuity accumulation factor.

Calculation path

Periodic sinking-fund deposit = remaining future-value gap / ordinary-annuity accumulation factor.

What you provide

What you provide

  • Future target amount: Balance required at the end of the selected term.
  • Current fund balance: Amount already invested at the start of the first period.
  • Nominal annual rate: Constant rate divided evenly across deposit periods.
  • Saving term: Whole years available to reach the target.
  • Deposits per year: Number of equal end-of-period deposits each year.

What you receive

What you receive

  • Required deposit each period
  • Projected value of current balance
  • Total future deposits and deposit count

Use boundary

Choose the maximum decimal places shown. This does not increase source accuracy.

Returns, rates, taxes, fees, missed deposits, and exact deposit dates can differ from this constant end-of-period model.

This calculator is an educational scenario model, not investment, tax, accounting, or valuation advice. Confirm definitions, timing, and decisions with source documents and a qualified professional.

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