{
  "title": "Savings goal",
  "human_url": "https://happytails.ai/en/finance-tools/savings-goal/",
  "agent_url": "https://happytails.ai/agents/en/finance-tools/savings-goal/",
  "language": "en",
  "markdown_url": "https://happytails.ai/en/finance-tools/savings-goal.md",
  "content": "Savings goal\nEstimate the monthly contribution needed to reach a savings goal.\nHow to use Savings goal\nEnter the values you want to calculate and choose the relevant units or settings.\nThe result updates as you type. Adjust the available settings if needed.\nReview the result, then use Copy result or a download link when available.\nWhat to expect\nEstimate the monthly contribution needed to reach a savings goal. Contributions are made at the end of each month and interest compounds monthly at the entered nominal annual rate. The estimate excludes fees and taxes.\nUseful next steps\nLoan payment\nEstimate monthly payments on a fixed-rate loan.\nMortgage payment\nEstimate principal and interest payments for a fixed-rate mortgage.\nCompound interest\nCalculate growth from regular compounding at a fixed rate.",
  "content_format": "text/plain",
  "visibility": "public",
  "links": [
    {
      "name": "Loan payment Estimate monthly payments on a fixed-rate loan.",
      "url": "https://happytails.ai/en/finance-tools/loan-payment/"
    },
    {
      "name": "Mortgage payment Estimate principal and interest payments for a fixed-rate mortgage.",
      "url": "https://happytails.ai/en/finance-tools/mortgage-payment/"
    },
    {
      "name": "Compound interest Calculate growth from regular compounding at a fixed rate.",
      "url": "https://happytails.ai/en/finance-tools/compound-interest/"
    }
  ],
  "tool": {
    "id": "savings-goal",
    "category": "finance-tools",
    "built": true,
    "requirements": "Contribution timing and rate assumptions with transparent deterministic projection.",
    "implementation": {
      "fields": [
        {
          "key": "goal",
          "label": "Target balance",
          "value": 10000,
          "type": "number"
        },
        {
          "key": "start",
          "label": "Starting balance",
          "value": 1000,
          "type": "number"
        },
        {
          "key": "months",
          "label": "Months",
          "value": 24,
          "type": "number"
        },
        {
          "key": "rate",
          "label": "Annual nominal rate (%)",
          "value": 4,
          "type": "number"
        }
      ],
      "input": false,
      "note": "",
      "live": true,
      "presentation": "metrics",
      "experience": {
        "automatic": true,
        "single": false,
        "label": "Your text",
        "placeholder": "Type or paste your input…",
        "help": "Change the input or settings to update your result. Results update as you type. Up to 1,000,000 characters.",
        "action": null
      },
      "mode": "automatic",
      "interactive": false
    },
    "execution": "POST /api/v1/tools/savings-goal/run",
    "api": {
      "id": "savings-goal",
      "name": "Savings goal",
      "category": "finance-tools",
      "description": "Estimate the monthly contribution needed to reach a savings goal.",
      "notes": "",
      "human_path": "/en/finance-tools/savings-goal/",
      "method": "POST",
      "endpoint": "/api/v1/tools/savings-goal/run",
      "schema_url": "/api/v1/tools/savings-goal",
      "input_schema": {
        "type": "object",
        "additionalProperties": false,
        "properties": {
          "input": {
            "type": "string",
            "maxLength": 1000000,
            "default": "",
            "description": "Plain text input. File tools use files instead unless otherwise documented."
          },
          "options": {
            "type": "object",
            "additionalProperties": false,
            "properties": {
              "goal": {
                "type": "number",
                "description": "Target balance",
                "default": 10000.0
              },
              "start": {
                "type": "number",
                "description": "Starting balance",
                "default": 1000.0
              },
              "months": {
                "type": "number",
                "description": "Months",
                "default": 24.0
              },
              "rate": {
                "type": "number",
                "description": "Annual nominal rate (%)",
                "default": 4.0
              }
            }
          }
        }
      },
      "output_schema": {
        "type": "object",
        "required": [
          "tool",
          "result"
        ],
        "properties": {
          "tool": {
            "type": "string"
          },
          "result": {
            "type": "object",
            "required": [
              "text",
              "files"
            ],
            "properties": {
              "text": {
                "type": [
                  "string",
                  "null"
                ]
              },
              "data": {
                "description": "Parsed JSON when the textual result is JSON."
              },
              "name": {
                "type": "string"
              },
              "mime": {
                "type": "string"
              },
              "files": {
                "type": "array",
                "items": {
                  "type": "object",
                  "required": [
                    "name",
                    "mime",
                    "bytes",
                    "base64"
                  ],
                  "properties": {
                    "name": {
                      "type": "string"
                    },
                    "mime": {
                      "type": "string"
                    },
                    "bytes": {
                      "type": "integer"
                    },
                    "base64": {
                      "type": "string",
                      "contentEncoding": "base64"
                    }
                  }
                }
              }
            }
          }
        }
      },
      "processing": "Server; same transformation code as browser tools",
      "limits": {
        "request_bytes": 8388608,
        "input_characters": 1000000,
        "files_bytes": 5242880,
        "max_files": 0,
        "timeout_seconds": 12
      }
    },
    "agent_processing": "Server; same transformation code as browser tools",
    "browser_agent": {
      "supported": true,
      "name": "run_current_tool",
      "discovery": "WebMCP on the human page in a supporting browser",
      "verification": "See audit/API-AUDIT.md; availability is not verification"
    }
  },
  "markdown": "# Savings goal\n\n- Human page: https://happytails.ai/en/finance-tools/savings-goal/\n- Markdown: https://happytails.ai/en/finance-tools/savings-goal.md\n- Structured JSON: https://happytails.ai/agents/en/finance-tools/savings-goal/index.json\n- Visibility: public\n\n## Tool capabilities\n\n| Property | Value |\n| --- | --- |\n| Tool ID | `savings-goal` |\n| Category | finance-tools |\n| Implementation | Registered implementation. Registration alone is not a production-quality guarantee. |\n| Browser execution | Automatic updates after valid input or file selection. |\n| Browser processing | Browser; see tool notes for network behavior. |\n| HTTP API | /api/v1/tools/savings-goal/run |\n| Browser-agent interface | run_current_tool |\n\n### Inputs and settings\n\nNo free-text input is required. Use the file inputs and/or settings below.\n\n| Setting | Meaning | Control type | Default | Constraints |\n| --- | --- | --- | --- | --- |\n| `goal` | Target balance | number | 10000 |  |\n| `start` | Starting balance | number | 1000 |  |\n| `months` | Months | number | 24 |  |\n| `rate` | Annual nominal rate (%) | number | 4 |  |\n\n### HTTP contract\n\nAPI calls process supplied data on the server. The website origin is `https://happytails.ai`. Server API hosting is not connected on the public website yet. Use your local server origin to test these requests.\n\n```http\nPOST https://happytails.ai/api/v1/tools/savings-goal/run\nContent-Type: application/json\n```\n\n[Detailed operation reference](https://happytails.ai/en/api/tools/savings-goal.md) · [Shared API guide](https://happytails.ai/en/api.md)\n\n#### Limits\n\n| Limit | Value |\n| --- | --- |\n| request_bytes | 8388608 |\n| input_characters | 1000000 |\n| files_bytes | 5242880 |\n| max_files | 0 |\n| timeout_seconds | 12 |\n\n#### Complete input schema\n\n```json\n{\n  \"type\": \"object\",\n  \"additionalProperties\": false,\n  \"properties\": {\n    \"input\": {\n      \"type\": \"string\",\n      \"maxLength\": 1000000,\n      \"default\": \"\",\n      \"description\": \"Plain text input. File tools use files instead unless otherwise documented.\"\n    },\n    \"options\": {\n      \"type\": \"object\",\n      \"additionalProperties\": false,\n      \"properties\": {\n        \"goal\": {\n          \"type\": \"number\",\n          \"description\": \"Target balance\",\n          \"default\": 10000.0\n        },\n        \"start\": {\n          \"type\": \"number\",\n          \"description\": \"Starting balance\",\n          \"default\": 1000.0\n        },\n        \"months\": {\n          \"type\": \"number\",\n          \"description\": \"Months\",\n          \"default\": 24.0\n        },\n        \"rate\": {\n          \"type\": \"number\",\n          \"description\": \"Annual nominal rate (%)\",\n          \"default\": 4.0\n        }\n      }\n    }\n  }\n}\n```\n\n#### Complete output schema\n\n```json\n{\n  \"type\": \"object\",\n  \"required\": [\n    \"tool\",\n    \"result\"\n  ],\n  \"properties\": {\n    \"tool\": {\n      \"type\": \"string\"\n    },\n    \"result\": {\n      \"type\": \"object\",\n      \"required\": [\n        \"text\",\n        \"files\"\n      ],\n      \"properties\": {\n        \"text\": {\n          \"type\": [\n            \"string\",\n            \"null\"\n          ]\n        },\n        \"data\": {\n          \"description\": \"Parsed JSON when the textual result is JSON.\"\n        },\n        \"name\": {\n          \"type\": \"string\"\n        },\n        \"mime\": {\n          \"type\": \"string\"\n        },\n        \"files\": {\n          \"type\": \"array\",\n          \"items\": {\n            \"type\": \"object\",\n            \"required\": [\n              \"name\",\n              \"mime\",\n              \"bytes\",\n              \"base64\"\n            ],\n            \"properties\": {\n              \"name\": {\n                \"type\": \"string\"\n              },\n              \"mime\": {\n                \"type\": \"string\"\n              },\n              \"bytes\": {\n                \"type\": \"integer\"\n              },\n              \"base64\": {\n                \"type\": \"string\",\n                \"contentEncoding\": \"base64\"\n              }\n            }\n          }\n        }\n      }\n    }\n  }\n}\n```\n\n#### Error and retry handling\n\nFailures return a non-200 status and `error.code` plus `error.message`. Correct invalid input before retrying; retry server-busy responses with bounded backoff. Returned files contain Base64 data, not persistent download URLs. Decode and inspect the output before treating conversion as successful. See the shared API guide for the complete status and timeout rules.\n\n### Browser-agent workflow\n\n1. Open the human page in a browser that supports WebMCP.\n2. Discover the interface exposed by that page; use its actual schema.\n3. Select files on the page first when the tool requires files.\n4. Call `run_current_tool` with valid input and settings.\n5. Inspect the returned result or error and the displayed output. Retrieve files from the displayed download links.\n\nCalls do not automatically copy or download results. Browser permissions still apply. Interface availability alone is not proof of successful execution.\n\n### Planning specification\n\nContribution timing and rate assumptions with transparent deterministic projection.\n\nThis describes intended requirements. Use the implementation notes, interface schema and observed output to determine current support.\n\n### Complete machine-readable capability record\n\n```json\n{\n  \"id\": \"savings-goal\",\n  \"category\": \"finance-tools\",\n  \"built\": true,\n  \"requirements\": \"Contribution timing and rate assumptions with transparent deterministic projection.\",\n  \"implementation\": {\n    \"fields\": [\n      {\n        \"key\": \"goal\",\n        \"label\": \"Target balance\",\n        \"value\": 10000,\n        \"type\": \"number\"\n      },\n      {\n        \"key\": \"start\",\n        \"label\": \"Starting balance\",\n        \"value\": 1000,\n        \"type\": \"number\"\n      },\n      {\n        \"key\": \"months\",\n        \"label\": \"Months\",\n        \"value\": 24,\n        \"type\": \"number\"\n      },\n      {\n        \"key\": \"rate\",\n        \"label\": \"Annual nominal rate (%)\",\n        \"value\": 4,\n        \"type\": \"number\"\n      }\n    ],\n    \"input\": false,\n    \"note\": \"\",\n    \"live\": true,\n    \"presentation\": \"metrics\",\n    \"experience\": {\n      \"automatic\": true,\n      \"single\": false,\n      \"label\": \"Your text\",\n      \"placeholder\": \"Type or paste your input…\",\n      \"help\": \"Change the input or settings to update your result. Results update as you type. Up to 1,000,000 characters.\",\n      \"action\": null\n    },\n    \"mode\": \"automatic\",\n    \"interactive\": false\n  },\n  \"execution\": \"POST /api/v1/tools/savings-goal/run\",\n  \"api\": {\n    \"id\": \"savings-goal\",\n    \"name\": \"Savings goal\",\n    \"category\": \"finance-tools\",\n    \"description\": \"Estimate the monthly contribution needed to reach a savings goal.\",\n    \"notes\": \"\",\n    \"human_path\": \"/en/finance-tools/savings-goal/\",\n    \"method\": \"POST\",\n    \"endpoint\": \"/api/v1/tools/savings-goal/run\",\n    \"schema_url\": \"/api/v1/tools/savings-goal\",\n    \"input_schema\": {\n      \"type\": \"object\",\n      \"additionalProperties\": false,\n      \"properties\": {\n        \"input\": {\n          \"type\": \"string\",\n          \"maxLength\": 1000000,\n          \"default\": \"\",\n          \"description\": \"Plain text input. File tools use files instead unless otherwise documented.\"\n        },\n        \"options\": {\n          \"type\": \"object\",\n          \"additionalProperties\": false,\n          \"properties\": {\n            \"goal\": {\n              \"type\": \"number\",\n              \"description\": \"Target balance\",\n              \"default\": 10000.0\n            },\n            \"start\": {\n              \"type\": \"number\",\n              \"description\": \"Starting balance\",\n              \"default\": 1000.0\n            },\n            \"months\": {\n              \"type\": \"number\",\n              \"description\": \"Months\",\n              \"default\": 24.0\n            },\n            \"rate\": {\n              \"type\": \"number\",\n              \"description\": \"Annual nominal rate (%)\",\n              \"default\": 4.0\n            }\n          }\n        }\n      }\n    },\n    \"output_schema\": {\n      \"type\": \"object\",\n      \"required\": [\n        \"tool\",\n        \"result\"\n      ],\n      \"properties\": {\n        \"tool\": {\n          \"type\": \"string\"\n        },\n        \"result\": {\n          \"type\": \"object\",\n          \"required\": [\n            \"text\",\n            \"files\"\n          ],\n          \"properties\": {\n            \"text\": {\n              \"type\": [\n                \"string\",\n                \"null\"\n              ]\n            },\n            \"data\": {\n              \"description\": \"Parsed JSON when the textual result is JSON.\"\n            },\n            \"name\": {\n              \"type\": \"string\"\n            },\n            \"mime\": {\n              \"type\": \"string\"\n            },\n            \"files\": {\n              \"type\": \"array\",\n              \"items\": {\n                \"type\": \"object\",\n                \"required\": [\n                  \"name\",\n                  \"mime\",\n                  \"bytes\",\n                  \"base64\"\n                ],\n                \"properties\": {\n                  \"name\": {\n                    \"type\": \"string\"\n                  },\n                  \"mime\": {\n                    \"type\": \"string\"\n                  },\n                  \"bytes\": {\n                    \"type\": \"integer\"\n                  },\n                  \"base64\": {\n                    \"type\": \"string\",\n                    \"contentEncoding\": \"base64\"\n                  }\n                }\n              }\n            }\n          }\n        }\n      }\n    },\n    \"processing\": \"Server; same transformation code as browser tools\",\n    \"limits\": {\n      \"request_bytes\": 8388608,\n      \"input_characters\": 1000000,\n      \"files_bytes\": 5242880,\n      \"max_files\": 0,\n      \"timeout_seconds\": 12\n    }\n  },\n  \"agent_processing\": \"Server; same transformation code as browser tools\",\n  \"browser_agent\": {\n    \"supported\": true,\n    \"name\": \"run_current_tool\",\n    \"discovery\": \"WebMCP on the human page in a supporting browser\",\n    \"verification\": \"See audit/API-AUDIT.md; availability is not verification\"\n  }\n}\n```\n\n## Page guide\n\nEstimate the monthly contribution needed to reach a savings goal.\n\n## How to use Savings goal\n\n1. Enter the values you want to calculate and choose the relevant units or settings.\n2. The result updates as you type. Adjust the available settings if needed.\n3. Review the result, then use Copy result or a download link when available.\n\n## What to expect\n\nEstimate the monthly contribution needed to reach a savings goal. Contributions are made at the end of each month and interest compounds monthly at the entered nominal annual rate. The estimate excludes fees and taxes.\n\n## Useful next steps\n\n- [Loan payment](https://happytails.ai/en/finance-tools/loan-payment/): Estimate monthly payments on a fixed-rate loan. ([Markdown](https://happytails.ai/en/finance-tools/loan-payment.md))\n\n- [Mortgage payment](https://happytails.ai/en/finance-tools/mortgage-payment/): Estimate principal and interest payments for a fixed-rate mortgage. ([Markdown](https://happytails.ai/en/finance-tools/mortgage-payment.md))\n\n- [Compound interest](https://happytails.ai/en/finance-tools/compound-interest/): Calculate growth from regular compounding at a fixed rate. ([Markdown](https://happytails.ai/en/finance-tools/compound-interest.md))\n"
}