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Savings Calculator - How Much You Need to Save Today.  
Where Used: How much should you invest or save today to pay for your future needs.  
Formula Used: PV = FV / (1 + i)n = $60,000/ (1+0.04/12)72 = $47,216.51  
(where PV = Present Value, FV = Future Value, I = Monthly Interest Rate, and n = Number of Months.  
Enter How Much Money You Need in Future. (For example I may need $60,000 in 6 Years i.e. 72 Months to pay for my Sons first year college).  
Enter Average Interest Rate. (It is safe to assume 4% average interest rate for any investments above make above 5 years, else take use 3%).  
Enter How Many Months in Future you Need the Monies. (For example I need $60,000 in 72 months).  
The Amount of Money you need to set aside today. (For example, in a Investment Firm that do not go Bankrupt).  
   

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