財務目標プランナー

入力

財務目標の詳細

Save $60,000 for a house down payment. Currently have $8,000 saved. Can set aside about $2,000/month. Open to moderate-risk investments to grow savings faster.

目標の種類

貯蓄（家、車、休暇）

目標タイムライン

3 年

現在の貯蓄 / 純資産

$8,000 saved, $2,000/month available to save

リスク許容度

中程度（バランスの取れた成長）

出力（抜粋）

Goal Plan — $60,000 down payment in 3 years. Starting balance $8,000; contributions $2,000/mo. Contributions alone reach $80,000 in 36 months, so you're on track even before growth. Recommendation: keep ~$30K in a high-yield savings/short-term treasuries (safety for near-term need) and place the remainder in a moderate, diversified fund (~5–6% expected). Projected balance with growth ≈ $84K–$86K, giving a comfortable buffer for closing costs. Milestone: $34K by year 1, $59K by year 2.

入力

財務目標の詳細

Pay off $18,000 in credit card and student debt. Highest card is 22% APR ($6,000), the rest is a 6% student loan ($12,000). I can put $900/month toward debt and want to be debt-free as fast as possible.

目標の種類

借金返済

目標タイムライン

3 年

現在の貯蓄 / 純資産

$18,000 total debt, $900/month available

リスク許容度

攻撃的（最大成長）

出力（抜粋）

Debt-Payoff Plan — $18,000, $900/month. Strategy: avalanche (highest interest first). Attack the 22% card ($6,000) with the full surplus while paying minimums on the 6% loan — the card clears in ~7 months and saves the most interest. Then roll the freed payment into the 6% student loan, clearing it by ~month 24. Total time to debt-free ≈ 24 months (well inside 3 years); estimated interest saved vs. minimums ≈ $2,300. Milestone: card gone month 7, fully debt-free month 24.

入力

財務目標の詳細

Self-employed, age 35, want a comfortable retirement at 60. Currently have $45,000 in retirement accounts and can invest about $1,500/month. Comfortable with market risk over a long horizon.

目標の種類

退職計画

目標タイムライン

10年以上

現在の貯蓄 / 純資産

$45,000 invested, $1,500/month available

リスク許容度

攻撃的（最大成長）

出力（抜粋）

Retirement Roadmap — 25-year horizon, 10-year action plan. Current $45,000 + $1,500/mo. At an assumed 7% long-run return, your balance grows to ~$340K in 10 years and, if contributions continue, ~$1.1M by age 60. Vehicle tip (self-employed): a SEP-IRA or Solo 401(k) raises your tax-advantaged contribution ceiling well above $1,500/mo if income allows. Allocation: equity-heavy given your horizon and aggressive tolerance, glide toward balanced after age 50. Review annually.