The Sinking Fund Calculator helps you determine how much you need to contribute at regular intervals (e.g., monthly) to accumulate a specific savings goal over a set period of time, considering a fixed annual return rate.

A sinking fund is a financial strategy used to build up funds for future expenses—such as replacing equipment, making large purchases, or repaying debt—by making consistent contributions into a dedicated account.

This tool uses compound interest formulas to calculate:

Required monthly payments

Future value of savings

Time needed to reach the goal

Effective return rate based on your inputs

It’s ideal for personal budgeting, financial planning, and debt management.

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