Set a goal, a start date, and an optional limit. The ledger splits your goal into random deposits, one per entry, that always add up exactly. Post them in any order you like, then export the plan to keep or share.
Lay out a ledger to see your savings pace here.
Contributed into the S&P 500 at its trailing 10-year average return (15.4%/yr), this plan projects to roughly €0.00 by -, versus €0.00 contributed by then.
*Based on trailing 10-year historical averages. Past performance does not predict or guarantee future returns. Markets, and Bitcoin especially, can behave very differently going forward.
| # | Week | Date | Amount | Total by date | Invested total | Posted |
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Select all and copy, or use the copy button above.
Lay out a ledger above first.
Stash Route is a free planning tool that turns a savings goal into a randomized deposit ledger, so instead of the same amount every period you get varied deposits that always add up to your target by the date you choose. You can plan a plain savings goal, or switch to Investment mode to see how the same contributions could grow if invested instead.
No. Stash Route is a calculator, not a bank, broker, or investment platform. It never asks for account numbers or payment details, and it never sends or receives money on your behalf. Every figure it shows is a projection for you to act on yourself, however you choose.
Each option's rate is the trailing 10-year annualized return calculated from public market data (an index or ETF price series for stocks, gold, and bonds, and BTC/USD price history for Bitcoin). A background job recalculates all five rates once a year, so the figures track the most recent 10-year window rather than staying fixed forever.
It takes your projected future amount, whether that is a savings goal or an investment projection, and discounts it by your chosen country's average inflation rate over the time between now and that date. The result is roughly what that future amount would be worth if you had it in hand today, in terms of purchasing power.
Inflation figures are the trailing 10-year average annual change in consumer prices (CPI) for each country, sourced from the World Bank's open data. Like the investment rates, this is recalculated once a year so it stays current.
No. Your ledger is saved locally in your own browser, and no sign-up is required to use the site.
Yes. Once you lay out a ledger, the "Export as CSV" button gives you a copyable, spreadsheet-ready version of the full deposit schedule.
No. Stash Route shows historical averages, not predictions or recommendations, and past performance does not guarantee future results. See our disclaimer for details, and speak with a licensed financial advisor before making investment decisions.