This is the inverse of most savings calculators: instead of asking 'what will I end up with,' it asks 'what do I need to save each month to hit a specific number by a specific date.'
How the required amount is calculated
The math first projects what your current savings alone will grow to by your deadline, then figures out the monthly contribution needed to make up the remaining difference, accounting for the interest those future contributions will also earn.
What to do if the number feels too high
You have three realistic options: push out the timeline, lower the goal, or look for ways to increase what you can set aside — see the Monthly Budget Calculator to find room in your spending.