Goal Planning Calculator

Work out how much you need to invest every month to reach a financial goal, after adjusting for inflation and accounting for any savings you already have.

Your goal details

Goal name

Goal amount (today's value): ₹10,00,000

Years to achieve goal: 5 years

Expected annual return: 12% p.a.

Expected inflation: 6% p.a.

Existing savings towards this goal: ₹0

Your goal plan

Required monthly SIP

12% p.a.

₹16,224

for 5 years to reach your goal

Inflation-adjusted goal amount

₹13.38 Lakhs

₹13,38,226

Amount to be funded by SIP

₹13.38 Lakhs

₹13,38,226

Total SIP investment

₹9.73 Lakhs

₹9,73,416

Total returns earned

₹3.65 Lakhs

₹3,64,810

27%is returns

Invested₹9.7L

Returns₹3.6L

Keep investing ₹16,224/month for just 1 more year, and you'd have ₹17,15,759 instead of stopping at your goal.

See it on the SIP Calculator →

Projected corpus over time

Year-by-year progress

Year	Invested	Returns	Balance
1	₹1,94,683	₹13,130	₹2,07,813
2	₹3,89,366	₹52,616	₹4,41,983
3	₹5,84,049	₹1,21,801	₹7,05,851
4	₹7,78,733	₹2,24,451	₹10,03,183
5	₹9,73,416	₹3,64,810	₹13,38,226

Frequently asked questions

₹50 lakh today won't buy the same thing in 10 years. This calculator inflates your goal amount by your expected inflation rate over the chosen number of years, so the required SIP is sized to the goal's future cost, not its cost today.

This calculator first works out the future value of any existing savings you've already set aside, subtracts that from the inflation-adjusted goal amount, and then inverts the standard SIP future-value formula to find the monthly investment needed to cover the remainder.

If the projected future value of your existing savings already meets or exceeds your inflation-adjusted goal amount, the required monthly SIP shown will be ₹0: you don't need to invest any more towards this goal (assuming your return and inflation assumptions hold).

No. A short-term goal (2-3 years) is usually better suited to safer instruments like FDs or debt funds with lower expected returns, while a long-term goal (10+ years) can tolerate more equity exposure and a higher expected return. Adjust the return rate above to match the time horizon and risk profile of this specific goal.

This calculator models one goal at a time, for example "buy a car in 5 years" or "child's education in 15 years". If you have several goals, calculate each one separately and add up the required monthly SIPs to see your total monthly investment commitment across all of them.

This is a general-purpose goal calculator: you can use it as a financial goal planner for any target, a house down payment, a wedding, a child's education, or retirement, as long as you can express it as a rupee amount you need by a certain year. It works out the future cost of that goal after inflation and tells you the monthly SIP required to reach it, accounting for any savings you already have set aside.

Popular scenarios

₹50L house / 10 yrs

₹38.54k/mo

₹10L car / 5 yrs

₹16.22k/mo

₹20L education / 15 yrs

₹9.5k/mo

₹20L wedding / 7 yrs

₹22.79k/mo

₹5L vacation / 3 yrs

₹13.69k/mo

₹1Cr retirement / 20 yrs

₹32.1k/mo

Related calculators

This calculator assumes your goal "House down payment" costs ₹10,00,000 today and grows at 6% p.a. inflation to ₹13,38,226 after 5 years. With no existing savings towards this goal, ₹13,38,226 to be funded via a monthly SIP of ₹16,224, invested for 5 years at 12% p.a.

Year

Invested

Split

Returns

Balance

₹1,94,683

₹13,130

₹2,07,813

₹3,89,366

₹52,616

₹4,41,983

₹5,84,049

₹1,21,801

₹7,05,851

₹7,78,733

₹2,24,451

₹10,03,183

₹9,73,416

₹3,64,810

₹13,38,226

Goal Planning Calculator

Frequently asked questions

Why does the goal amount change for inflation?

How is the required monthly SIP worked out?

What if my existing savings already cover the goal?

Should I use the same return rate for every goal?

Can I plan for multiple goals at once?

Is this a general goal calculator or just for SIPs?

Goal Planning Calculator

Frequently asked questions

Why does the goal amount change for inflation?

How is the required monthly SIP worked out?

What if my existing savings already cover the goal?

Should I use the same return rate for every goal?

Can I plan for multiple goals at once?

Is this a general goal calculator or just for SIPs?