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.
Give each goal a name, an amount and the years away.
Your plan, in one number
Your goals on one timeline
Each marker is a goal arriving, with what it will cost when it does.
Keep your plan.
Leave your details and we'll send your plan across personally — usually within a day. No spam — ever.
Carry it forward — if you'd like
Watch your plan play out, year by year.
A note: This planner is an educational illustration, not financial advice. It assumes steady average growth and inflation; real life moves in waves. It recommends no products and knows nothing of your full circumstances. Your entries stay in your browser unless you email yourself the plan. Please read our disclaimer and consult a qualified adviser for decisions.