Bucket List Cost Calculator (total cost & monthly saving plan)

How it works

Each goal’s future price = cost today × (1 + price rise)^years. A separate saving pot for each goal needs the sinking-fund payment F × i ÷ ((1 + i)ⁿ − 1), where i is the monthly interest rate and n the months until the goal. The monthly saving needed now is the sum over all goals; it drops each time a goal is reached. Write each goal as “cost years”, for example “4000 3”; a name in front (“Iceland trip 4000 3”) is ignored by the maths.

⚠ Estimates for information only — not financial advice.

FAQ

How do I estimate the cost of a dream?

Price it as if you did it today — flights, stay, gear or course fees — and add 10% for extras. The calculator then adds price rises up to the year you plan it.

Why does the monthly amount fall later?

Goals that come soon need large monthly savings for a short time. Once a goal is reached, its share stops and only the later goals remain.

Checked 11 Nov 2026. Future value with constant inflation and the sinking-fund payment, standard time-value-of-money relations (R. A. DeFusco et al., “Quantitative Investment Analysis”, CFA Institute / Wiley). Costs are your own estimates.