Be honest about the return
Easy-access savings accounts pay a couple of percent. Funds have averaged more over long periods, but not evenly — some years the balance falls.
So use this rule: if you need the money within three years, assume 0% and keep it in cash. Market returns are only worth reaching for when time is on your side.
Give the target a date
"I'll save €10,000 someday" is a wish. "€10,000 by December 2027" is a goal. Put the date the calculator gives you straight into your phone calendar — that small step keeps a surprising number of people on track.