Years until target without deposits: Estimating Time to a Target Without New Deposits
This growth-time calculation asks how long the starting amount needs to reach the target at a constant rate with no added savings.
Use the Years until target without deposits Calculator to enter your own figures and compare the result with the worked example below.
Years until target without deposits formula
n = ln(Target ÷ Current amount) ÷ ln(1+r)
Worked example
| Item | Example value |
|---|---|
| Target amount | 20000 USD |
| Current amount | 10000 USD |
| Annual growth rate | 7 % |
| Years until target without deposits | 10.244768 |
These are illustrative inputs, not current prices, rates or recommended targets. Where a currency is shown, keep all comparable money amounts in the same currency; conversion examples identify the two sides separately.
How to interpret the result
A positive rate and a higher target are needed for ordinary growth interpretation. Adding contributions requires a different model.
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Method and further reading
The example follows the FinMathly calculator method. For broader background, see Investor.gov: Introduction to investing. The background resource may use jurisdiction-specific terms; it does not replace the assumptions of this calculator.
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