How to Save $20K with Money Saving Charts
If you need to save up $20,000 fast, these charts are for you. I’ve put together charts for saving up $20K in as little as 6 months. There are also savings charts that will help you reach your goal in 1, 2, 3, 4, 5, or 10 years.
To use these charts, find the timeframe that works best for you and follow the deposit amounts and schedule. I’ve even made printable, PDF sheets for you to follow to track your savings goal. Download these and print them out to make saving $20,000 even easier.
Note: This post may contain affiliate links, which means if you buy from my link I might make a small commission. This does not affect the price you pay. See the full affiliate disclosurehere.
Save $20,000 Easily by Automating Your Deposits
To complete your savings goal, you simply need to make sure that you are depositing the predetermined amount at each scheduled date. I recommend you set up a separate savings account with your bank to track your balance. It’s also easiest if you can set up automatic transfers from your checking account to the specified savings account.
The easiest way to save money with these schedules is to set up automatic transfers using your bank account. You can set up your deposit amount to be transferred into your savings on a timely basis. Most banks offer this feature.
For example, if you are saving $20,000 in a year, you should schedule $1,666.67 to transfer from your checking account to your savings account each month.
Keep in mind that these savings plans have a slightly different amount on the last deposit to make the total savings equal $20,000 exactly. You may also have a small variance in your account if you are accruing interest on your savings.
You can also make your deposits manually. All that matters is that you make the deposits on time and in the amount specified. If you stick to the plan, you’ll have $20K saved up!
Free Printable PDF Charts to Track Your $20,000 Savings Goal
Track your saving progress with these free, printable PDF documents! Sign up below to receive my newsletter and get your free downloads and start saving today.
You’ll be sent a zip folder with the following documents:
- Save $20,000 in 6 months
- Save $20,000 in 1 year
- Save $20,000 in 2 years
- Save $20,000 in 3 years
- Save $20,000 in 4 years
- Save $20,000 in 5 years
- Save $20,000 in 10 years
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How to Save $20,000 in 6 Months
To reach your goal of saving $20K in 6 months, you’ll need a monthly deposit of $3,333. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance |
| 1 | $3,333.00 | $3,333.00 |
| 2 | $3,333.00 | $6,666.00 |
| 3 | $3,333.00 | $9,999.00 |
| 4 | $3,333.00 | $13,332.00 |
| 5 | $3,333.00 | $16,665.00 |
| 6 | $3,335.00 | $20,000.00 |
How to Save $20,000 in 1 Year
To reach your goal of saving $20K in 1 year, you’ll need a monthly deposit of $1,666.67. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Months | Deposit Amount | Balance |
| 1 | $1,666.67 | $1,666.67 |
| 2 | $1,666.67 | $3,333.34 |
| 3 | $1,666.67 | $5,000.01 |
| 4 | $1,666.67 | $6,666.68 |
| 5 | $1,666.67 | $8,333.35 |
| 6 | $1,666.67 | $10,000.02 |
| 7 | $1,666.67 | $11,666.69 |
| 8 | $1,666.67 | $13,333.36 |
| 9 | $1,666.67 | $15,000.03 |
| 10 | $1,666.67 | $16,666.70 |
| 11 | $1,666.67 | $18,333.37 |
| 12 | $1,666.63 | $20,000.00 |
How to Save $20,000 in 2 Years
To reach your goal of saving $20K in 2 years, you’ll need a monthly deposit of $833.33. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance |
| 1 | $833.33 | $833.33 |
| 2 | $833.33 | $1,666.66 |
| 3 | $833.33 | $2,499.99 |
| 4 | $833.33 | $3,333.32 |
| 5 | $833.33 | $4,166.65 |
| 6 | $833.33 | $4,999.98 |
| 7 | $833.33 | $5,833.31 |
| 8 | $833.33 | $6,666.64 |
| 9 | $833.33 | $7,499.97 |
| 10 | $833.33 | $8,333.30 |
| 11 | $833.33 | $9,166.63 |
| 12 | $833.33 | $9,999.96 |
| 13 | $833.33 | $10,833.29 |
| 14 | $833.33 | $11,666.62 |
| 15 | $833.33 | $12,499.95 |
| 16 | $833.33 | $13,333.28 |
| 17 | $833.33 | $14,166.61 |
| 18 | $833.33 | $14,999.94 |
| 19 | $833.33 | $15,833.27 |
| 20 | $833.33 | $16,666.60 |
| 21 | $833.33 | $17,499.93 |
| 22 | $833.33 | $18,333.26 |
| 23 | $833.33 | $19,166.59 |
| 24 | $833.41 | $20,000.00 |
How to Save $20,000 in 3 Years
To reach your goal of saving $20K in 3 years, you’ll need a monthly deposit of $555.56. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance | Month | Deposit Amount | Balance | |
| 1 | $555.56 | $555.56 | 19 | $555.56 | $10,555.64 | |
| 2 | $555.56 | $1,111.12 | 20 | $555.56 | $11,111.20 | |
| 3 | $555.56 | $1,666.68 | 21 | $555.56 | $11,666.76 | |
| 4 | $555.56 | $2,222.24 | 22 | $555.56 | $12,222.32 | |
| 5 | $555.56 | $2,777.80 | 23 | $555.56 | $12,777.88 | |
| 6 | $555.56 | $3,333.36 | 24 | $555.56 | $13,333.44 | |
| 7 | $555.56 | $3,888.92 | 25 | $555.56 | $13,889.00 | |
| 8 | $555.56 | $4,444.48 | 26 | $555.56 | $14,444.56 | |
| 9 | $555.56 | $5,000.04 | 27 | $555.56 | $15,000.12 | |
| 10 | $555.56 | $5,555.60 | 28 | $555.56 | $15,555.68 | |
| 11 | $555.56 | $6,111.16 | 29 | $555.56 | $16,111.24 | |
| 12 | $555.56 | $6,666.72 | 30 | $555.56 | $16,666.80 | |
| 13 | $555.56 | $7,222.28 | 31 | $555.56 | $17,222.36 | |
| 14 | $555.56 | $7,777.84 | 32 | $555.56 | $17,777.92 | |
| 15 | $555.56 | $8,333.40 | 33 | $555.56 | $18,333.48 | |
| 16 | $555.56 | $8,888.96 | 34 | $555.56 | $18,889.04 | |
| 17 | $555.56 | $9,444.52 | 35 | $555.56 | $19,444.60 | |
| 18 | $555.56 | $10,000.08 | 36 | $555.40 | $20,000.00 |
How to Save $20,000 in 4 Years
To reach your goal of saving $20K in 4 years, you’ll need a monthly deposit of $416.67. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance | Month | Deposit Amount | Balance | |
| 1 | $416.67 | $416.67 | 25 | $416.67 | $10,416.75 | |
| 2 | $416.67 | $833.34 | 26 | $416.67 | $10,833.42 | |
| 3 | $416.67 | $1,250.01 | 27 | $416.67 | $11,250.09 | |
| 4 | $416.67 | $1,666.68 | 28 | $416.67 | $11,666.76 | |
| 5 | $416.67 | $2,083.35 | 29 | $416.67 | $12,083.43 | |
| 6 | $416.67 | $2,500.02 | 30 | $416.67 | $12,500.10 | |
| 7 | $416.67 | $2,916.69 | 31 | $416.67 | $12,916.77 | |
| 8 | $416.67 | $3,333.36 | 32 | $416.67 | $13,333.44 | |
| 9 | $416.67 | $3,750.03 | 33 | $416.67 | $13,750.11 | |
| 10 | $416.67 | $4,166.70 | 34 | $416.67 | $14,166.78 | |
| 11 | $416.67 | $4,583.37 | 35 | $416.67 | $14,583.45 | |
| 12 | $416.67 | $5,000.04 | 36 | $416.67 | $15,000.12 | |
| 13 | $416.67 | $5,416.71 | 37 | $416.67 | $15,416.79 | |
| 14 | $416.67 | $5,833.38 | 38 | $416.67 | $15,833.46 | |
| 15 | $416.67 | $6,250.05 | 39 | $416.67 | $16,250.13 | |
| 16 | $416.67 | $6,666.72 | 40 | $416.67 | $16,666.80 | |
| 17 | $416.67 | $7,083.39 | 41 | $416.67 | $17,083.47 | |
| 18 | $416.67 | $7,500.06 | 42 | $416.67 | $17,500.14 | |
| 19 | $416.67 | $7,916.73 | 43 | $416.67 | $17,916.81 | |
| 20 | $416.67 | $8,333.40 | 44 | $416.67 | $18,333.48 | |
| 21 | $416.67 | $8,750.07 | 45 | $416.67 | $18,750.15 | |
| 22 | $416.67 | $9,166.74 | 46 | $416.67 | $19,166.82 | |
| 23 | $416.67 | $9,583.41 | 47 | $416.67 | $19,583.49 | |
| 24 | $416.67 | $10,000.08 | 48 | $416.51 | $20,000.00 |
How to Save $20,000 in 5 Years
To reach your goal of saving $20K in 5 years, you’ll need a monthly deposit of $333.33. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance | Month | Deposit Amount | Balance | |
| 1 | $333.33 | $333.33 | 31 | $333.33 | $10,333.23 | |
| 2 | $333.33 | $666.66 | 32 | $333.33 | $10,666.56 | |
| 3 | $333.33 | $999.99 | 33 | $333.33 | $10,999.89 | |
| 4 | $333.33 | $1,333.32 | 34 | $333.33 | $11,333.22 | |
| 5 | $333.33 | $1,666.65 | 35 | $333.33 | $11,666.55 | |
| 6 | $333.33 | $1,999.98 | 36 | $333.33 | $11,999.88 | |
| 7 | $333.33 | $2,333.31 | 37 | $333.33 | $12,333.21 | |
| 8 | $333.33 | $2,666.64 | 38 | $333.33 | $12,666.54 | |
| 9 | $333.33 | $2,999.97 | 39 | $333.33 | $12,999.87 | |
| 10 | $333.33 | $3,333.30 | 40 | $333.33 | $13,333.20 | |
| 11 | $333.33 | $3,666.63 | 41 | $333.33 | $13,666.53 | |
| 12 | $333.33 | $3,999.96 | 42 | $333.33 | $13,999.86 | |
| 13 | $333.33 | $4,333.29 | 43 | $333.33 | $14,333.19 | |
| 14 | $333.33 | $4,666.62 | 44 | $333.33 | $14,666.52 | |
| 15 | $333.33 | $4,999.95 | 45 | $333.33 | $14,999.85 | |
| 16 | $333.33 | $5,333.28 | 46 | $333.33 | $15,333.18 | |
| 17 | $333.33 | $5,666.61 | 47 | $333.33 | $15,666.51 | |
| 18 | $333.33 | $5,999.94 | 48 | $333.33 | $15,999.84 | |
| 19 | $333.33 | $6,333.27 | 49 | $333.33 | $16,333.17 | |
| 20 | $333.33 | $6,666.60 | 50 | $333.33 | $16,666.50 | |
| 21 | $333.33 | $6,999.93 | 51 | $333.33 | $16,999.83 | |
| 22 | $333.33 | $7,333.26 | 52 | $333.33 | $17,333.16 | |
| 23 | $333.33 | $7,666.59 | 53 | $333.33 | $17,666.49 | |
| 24 | $333.33 | $7,999.92 | 54 | $333.33 | $17,999.82 | |
| 25 | $333.33 | $8,333.25 | 55 | $333.33 | $18,333.15 | |
| 26 | $333.33 | $8,666.58 | 56 | $333.33 | $18,666.48 | |
| 27 | $333.33 | $8,999.91 | 57 | $333.33 | $18,999.81 | |
| 28 | $333.33 | $9,333.24 | 58 | $333.33 | $19,333.14 | |
| 29 | $333.33 | $9,666.57 | 59 | $333.33 | $19,666.47 | |
| 30 | $333.33 | $9,999.90 | 60 | $333.53 | $20,000.00 |
How to Save $20,000 in 10 Years
To reach your goal of saving $20K in 10 years, you’ll need a monthly deposit of $166.67. Use the chart below to see the savings schedule. Keep in mind that the last deposit will be slightly different to reach an exact balance.
| Month | Deposit Amount | Balance | Month | Deposit Amount | Balance | |
| 1 | $166.67 | $166.67 | 61 | $166.67 | $10,166.87 | |
| 2 | $166.67 | $333.34 | 62 | $166.67 | $10,333.54 | |
| 3 | $166.67 | $500.01 | 63 | $166.67 | $10,500.21 | |
| 4 | $166.67 | $666.68 | 64 | $166.67 | $10,666.88 | |
| 5 | $166.67 | $833.35 | 65 | $166.67 | $10,833.55 | |
| 6 | $166.67 | $1,000.02 | 66 | $166.67 | $11,000.22 | |
| 7 | $166.67 | $1,166.69 | 67 | $166.67 | $11,166.89 | |
| 8 | $166.67 | $1,333.36 | 68 | $166.67 | $11,333.56 | |
| 9 | $166.67 | $1,500.03 | 69 | $166.67 | $11,500.23 | |
| 10 | $166.67 | $1,666.70 | 70 | $166.67 | $11,666.90 | |
| 11 | $166.67 | $1,833.37 | 71 | $166.67 | $11,833.57 | |
| 12 | $166.67 | $2,000.04 | 72 | $166.67 | $12,000.24 | |
| 13 | $166.67 | $2,166.71 | 73 | $166.67 | $12,166.91 | |
| 14 | $166.67 | $2,333.38 | 74 | $166.67 | $12,333.58 | |
| 15 | $166.67 | $2,500.05 | 75 | $166.67 | $12,500.25 | |
| 16 | $166.67 | $2,666.72 | 76 | $166.67 | $12,666.92 | |
| 17 | $166.67 | $2,833.39 | 77 | $166.67 | $12,833.59 | |
| 18 | $166.67 | $3,000.06 | 78 | $166.67 | $13,000.26 | |
| 19 | $166.67 | $3,166.73 | 79 | $166.67 | $13,166.93 | |
| 20 | $166.67 | $3,333.40 | 80 | $166.67 | $13,333.60 | |
| 21 | $166.67 | $3,500.07 | 81 | $166.67 | $13,500.27 | |
| 22 | $166.67 | $3,666.74 | 82 | $166.67 | $13,666.94 | |
| 23 | $166.67 | $3,833.41 | 83 | $166.67 | $13,833.61 | |
| 24 | $166.67 | $4,000.08 | 84 | $166.67 | $14,000.28 | |
| 25 | $166.67 | $4,166.75 | 85 | $166.67 | $14,166.95 | |
| 26 | $166.67 | $4,333.42 | 86 | $166.67 | $14,333.62 | |
| 27 | $166.67 | $4,500.09 | 87 | $166.67 | $14,500.29 | |
| 28 | $166.67 | $4,666.76 | 88 | $166.67 | $14,666.96 | |
| 29 | $166.67 | $4,833.43 | 89 | $166.67 | $14,833.63 | |
| 30 | $166.67 | $5,000.10 | 90 | $166.67 | $15,000.30 | |
| 31 | $166.67 | $5,166.77 | 91 | $166.67 | $15,166.97 | |
| 32 | $166.67 | $5,333.44 | 92 | $166.67 | $15,333.64 | |
| 33 | $166.67 | $5,500.11 | 93 | $166.67 | $15,500.31 | |
| 34 | $166.67 | $5,666.78 | 94 | $166.67 | $15,666.98 | |
| 35 | $166.67 | $5,833.45 | 95 | $166.67 | $15,833.65 | |
| 36 | $166.67 | $6,000.12 | 96 | $166.67 | $16,000.32 | |
| 37 | $166.67 | $6,166.79 | 97 | $166.67 | $16,166.99 | |
| 38 | $166.67 | $6,333.46 | 98 | $166.67 | $16,333.66 | |
| 39 | $166.67 | $6,500.13 | 99 | $166.67 | $16,500.33 | |
| 40 | $166.67 | $6,666.80 | 100 | $166.67 | $16,667.00 | |
| 41 | $166.67 | $6,833.47 | 101 | $166.67 | $16,833.67 | |
| 42 | $166.67 | $7,000.14 | 102 | $166.67 | $17,000.34 | |
| 43 | $166.67 | $7,166.81 | 103 | $166.67 | $17,167.01 | |
| 44 | $166.67 | $7,333.48 | 104 | $166.67 | $17,333.68 | |
| 45 | $166.67 | $7,500.15 | 105 | $166.67 | $17,500.35 | |
| 46 | $166.67 | $7,666.82 | 106 | $166.67 | $17,667.02 | |
| 47 | $166.67 | $7,833.49 | 107 | $166.67 | $17,833.69 | |
| 48 | $166.67 | $8,000.16 | 108 | $166.67 | $18,000.36 | |
| 49 | $166.67 | $8,166.83 | 109 | $166.67 | $18,167.03 | |
| 50 | $166.67 | $8,333.50 | 110 | $166.67 | $18,333.70 | |
| 51 | $166.67 | $8,500.17 | 111 | $166.67 | $18,500.37 | |
| 52 | $166.67 | $8,666.84 | 112 | $166.67 | $18,667.04 | |
| 53 | $166.67 | $8,833.51 | 113 | $166.67 | $18,833.71 | |
| 54 | $166.67 | $9,000.18 | 114 | $166.67 | $19,000.38 | |
| 55 | $166.67 | $9,166.85 | 115 | $166.67 | $19,167.05 | |
| 56 | $166.67 | $9,333.52 | 116 | $166.67 | $19,333.72 | |
| 57 | $166.67 | $9,500.19 | 117 | $166.67 | $19,500.39 | |
| 58 | $166.67 | $9,666.86 | 118 | $166.67 | $19,667.06 | |
| 59 | $166.67 | $9,833.53 | 119 | $166.67 | $19,833.73 | |
| 60 | $166.67 | $10,000.20 | 120 | $166.27 | $20,000.00 |
