A savings calculator cannot take into account inflation, tax, investment losses or changes in interest rates, but still, it can be used as an estimate of how you are doing with your savings plan. It may be just the motivation you need to make that extra savings effort. You might decide that you can put off your retirement, or keep working just part time for a year or two.
You can do very simple calculations with an investment calculator such as finding out how much you would save over the next five years if you forgo that daily cappuccino or weekly magazine. Saving need not be all that difficult and while some may look at it as what you must go without today, really their attitude should be what they will gain tomorrow. A savings calculator can help make this change in attitude.
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