Many of our expenditures are repetitve (a daily cup of coffee, a monthly cable bill, a weekly newspaper, etc.) Over time these expenditures, if saved and invested, would grow to be a signigicant amount.                                                         (To see how much fill in left side of table and click on Calculation button.)                                                                                      See Historial data below form for reference Rates of Return and Inflation Rate.                                                        Freqency: Yearly=1; Quarterly=4; Monthly=12; Bimonthly=24; Weekyly=52; Workdays=250; Daily=365.                     To detemine the amount you need to save per month to reach your goal: Enter a value in the Cost Box, 12 in Frequency Box, number of years to your goal and the expected Rate of Return and Inflation Rate. Keep adjusting the value until the Future Income (FI) in Today's Dollars = your current expenditures adjusted for future changes to your expenditures in today's dollars.                                                                                                                                                           Notes:                     If you use a 3% inflation rate your payments will have to increase 3% each Year.                                                                    If you have savings and investments use Future Wealth and Income of a Current Amount                                                          to determine your income in todays dollars from that source before calculating our  savings per                                          month.  Also subtract anticipated Pensions and Social Security.