# Savings Goal API > Personal-savings planning maths as an API, computed locally and deterministically. The future endpoint computes the future value of regular saving — FV = initial·(1+r)^n + deposit·((1+r)^n − 1)/r with the rate compounded monthly — and breaks it into the total you put in and the interest earned. The goal endpoint works backwards: the monthly deposit needed to reach a target by a date, (target − initial·(1+r)^n)·r / ((1+r)^n − 1), and tells you when an initial sum already grows to the target by itself. The emergency endpoint sizes an emergency fund as a number of months of expenses (3–6 is the usual advice), reports the shortfall against current savings and, with a monthly saving amount, how many months it takes to get there. Everything is computed locally and deterministically, so it is instant and private. Ideal for personal-finance, budgeting and fintech app developers, savings-goal and money-coaching tools, and banking dashboards. Pure local computation — no key, no third-party service, instant. Live, nothing stored. Estimates, not financial advice. 3 endpoints. This is savings planning; for loans and mortgages use a loan API and for NPV/IRR use a finance-calc API. ## Authentication All requests require your oanor API key in the `x-oanor-key` header. Get one at https://www.oanor.com/developer/keys. ```bash curl -H "x-oanor-key: oanor_live_…" "https://api.oanor.com/savings-api/..." ``` ## Pricing - **Free** (Free) — 3,000 calls/Mo, 2 req/s - **Starter** ($13/Mo) — 40,000 calls/Mo, 6 req/s - **Pro** ($34/Mo) — 250,000 calls/Mo, 20 req/s - **Mega** ($109/Mo) — 2,000,000 calls/Mo, 60 req/s ## Endpoints ### Savings #### `GET /v1/emergency` — Emergency fund **Parameters:** - `monthly_expenses` (query, required, string) — Monthly expenses Example: `2000` - `months` (query, optional, string) — Months of cover (default 6) Example: `6` - `current_savings` (query, optional, string) — Current savings (default 0) Example: `3000` - `monthly_saving` (query, optional, string) — Monthly saving for time-to-reach Example: `500` **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/savings-api/v1/emergency?monthly_expenses=2000&months=6¤t_savings=3000&monthly_saving=500" ``` **Response:** ```json { "data": { "note": "Target = months of expenses; most advice is 3–6 months. Months to reach = ceil(shortfall / monthly saving).", "inputs": { "months": 6, "current_savings": 3000, "monthly_expenses": 2000 }, "shortfall": 9000, "target_fund": 12000, "funded_percent": 25, "months_to_reach": 18 }, "meta": { "timestamp": "2026-06-04T18:38:15.728Z", "request_id": "9df43df9-54a8-41b4-be00-df9c406fc5ae" }, "status": "ok", "message": "Emergency fund", "success": true } ``` #### `GET /v1/future` — Future value of savings **Parameters:** - `monthly_deposit` (query, optional, string) — Monthly deposit (default 0) Example: `200` - `initial` (query, optional, string) — Initial amount (default 0) Example: `1000` - `annual_rate` (query, optional, string) — Annual interest rate (%, default 0) Example: `5` - `years` (query, required, string) — Years Example: `10` **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/savings-api/v1/future?monthly_deposit=200&initial=1000&annual_rate=5&years=10" ``` **Response:** ```json { "data": { "note": "FV = initial·(1+r)^n + deposit·((1+r)^n − 1)/r, with r the monthly rate and n the number of months.", "inputs": { "years": 10, "initial": 1000, "annual_rate": 5, "monthly_deposit": 200 }, "months": 120, "future_value": 32703.47, "interest_earned": 7703.47, "total_contributions": 25000 }, "meta": { "timestamp": "2026-06-04T18:38:15.846Z", "request_id": "4d233409-e267-4c78-afd6-ba607e96de34" }, "status": "ok", "message": "Future value", "success": true } ``` #### `GET /v1/goal` — Deposit to reach a goal **Parameters:** - `target` (query, required, string) — Savings target Example: `50000` - `initial` (query, optional, string) — Initial amount (default 0) Example: `1000` - `annual_rate` (query, optional, string) — Annual interest rate (%, default 0) Example: `5` - `years` (query, required, string) — Years to reach it Example: `10` **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/savings-api/v1/goal?target=50000&initial=1000&annual_rate=5&years=10" ``` **Response:** ```json { "data": { "note": "Required deposit = (target − initial·(1+r)^n)·r / ((1+r)^n − 1).", "inputs": { "years": 10, "target": 50000, "initial": 1000, "annual_rate": 5 }, "monthly_deposit": 311.39, "projected_interest": 11633.48, "total_contributions": 38366.52 }, "meta": { "timestamp": "2026-06-04T18:38:15.960Z", "request_id": "70a335d3-9530-473e-96ff-8795c8af1a64" }, "status": "ok", "message": "Goal deposit", "success": true } ``` ### Meta #### `GET /v1/meta` — Spec **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/savings-api/v1/meta" ``` **Response:** ```json { "data": { "notes": "Money in any currency, annual_rate as a percentage, compounded monthly. Deposits assumed at period end (ordinary annuity). Estimates — not financial advice.", "service": "savings-api", "formulae": { "goal": "PMT = (target − P·(1+r)^n)·r / ((1+r)^n − 1)", "emergency": "target = months × monthly_expenses", "future_value": "FV = P·(1+r)^n + PMT·((1+r)^n − 1)/r" }, "endpoints": { "GET /v1/goal": "Monthly deposit needed to reach a savings target by a date.", "GET /v1/meta": "This document.", "GET /v1/future": "Future value of an initial sum plus monthly deposits at an interest rate.", "GET /v1/emergency": "Emergency-fund target and the time to reach it." }, "description": "Personal-savings goal calculator: future value of regular savings, the monthly deposit to reach a target, and emergency-fund planning." }, "meta": { "timestamp": "2026-06-04T18:38:16.066Z", "request_id": "1b66ba42-8d43-4fd9-bf0e-0e5bcb4acb73" }, "status": "ok", "message": "Meta", "success": true } ``` --- Marketplace page: https://www.oanor.com/api/savings-api OpenAPI spec: https://www.oanor.com/api/savings-api/openapi.json