Effer Tools · Goal Builder & Simulator
Give your money somewhere to go.
Name up to three life goals — retirement, a home, a child's education, or something entirely yours. See what each will really cost when it arrives, what to set aside each month, and what waiting quietly costs.
Add your goals
Tap to add up to three goals.
How fast you expect your investments to grow, on average.
Why tomorrow's goal costs more than today's price.
Your plan
Make each goal specific.
Set the amount in today’s money, the time available, and anything you have already put aside.
Add at least one complete goal before building your plan.
Your goal plan
Your goals, on one timeline.
Different goals need the same monthly cash flow at different points in your life.
Under the hood
How these numbers are made
Is this a sales session?
No. The session is designed as financial awareness and education. It does not push products or services.
Is there a fee?
Effer currently conducts these corporate financial wellness sessions free of cost for organisations and participants.
Who is this suitable for?
Employees, managers, leadership teams, HR communities and organisations that want to support financial awareness as part of wellness or L&D initiatives.
Keep your plan.
Leave your details and keep the plan you just built together with the numbers behind it.
We'll also send your report across personally — usually within a day — and the occasional thoughtful note from Effer. No spam — ever.
A note: These figures are educational illustrations based on the assumptions you entered. They are not a recommendation or a promise of future returns.
Other Effer Tools · Risk & Horizon Profiler
See your profile play out over the years.
A note: This profiler is an educational self-reflection, not financial or investment advice, and not a regulated risk assessment. It recommends no products and knows nothing of your full circumstances. Your answers stay in your browser unless you choose to email yourself the result. For decisions that fit your whole life, please read our disclaimer and speak with a qualified adviser.