Calculator

Goal planner

One journey for five goals — the real future cost, the SIP that funds it, and the gap on what you can afford.

Goal cost today₹80,00,000Years away7 yearsInflation (p.a.)6%Expected return (p.a.)12%Already saved₹5,00,000SIP you can afford₹20,000

Funded 30.9% — shortfall ₹83.10 L

₹82,768/mo needed

Goal will cost then₹1.20 Cr
Saved grows to₹11.05 L
Affordable SIP grows to₹37.19 L
Extra over affordable₹62,768/mo

At ₹20,000/mo you reach ₹37.19 L of ₹1.20 Cr — add ₹62,768/mo or extend the timeline.

Hover any bar for the yearly breakup.

Go deeper: Goal SIP calculator · Home loan EMI · SIP calculator

Projection only, not a prediction. Saved money compounds at the same expected return; set inflation to 0% for a fixed-price target.

What this calculator answers

Pick a goal — for example an ₹80 lakh home 7 years away at 6% inflation and a 12% return — and the planner shows the inflated future cost, grows what you have already saved at the same return, then solves the monthly SIP on the remainder. Enter the SIP you can afford to see the projected total, the funded percentage and the shortfall.

How it is calculated

The goal is inflated to its future cost, existing savings are grown as a lumpsum at the expected return, and the reverse-SIP formula solves the instalment on the remainder. An affordable SIP is projected with the same monthly compounding and compared against the future cost for the funded percentage and shortfall.

Saved money compounds at the same expected return you enter; education defaults to 10% inflation because tuition runs ahead of CPI. Projections only, not predictions.

Common questions

How is this different from the goal SIP calculator?

The goal SIP calculator solves one number — the instalment for a target. This planner adds the journey: what is already saved, what an affordable SIP actually reaches, and the shortfall, across five preset goals.

What should I do about a shortfall?

Add the extra monthly amount shown, extend the timeline by a year or two, or trim the goal — each extra year shrinks the SIP twice over, through a smaller inflated target and more compounding time.

Which goal links go deeper?

Home links to the goal SIP, home-loan EMI and SIP calculators; education to the child education planner; retirement to the retirement, FIRE and SWP calculators; travel to goal SIP and RD; wealth to SIP, lumpsum and FIRE.

Source & freshness

Source: Deterministic formula in lib/calculators.ts
Timeliness: Static-verified
Method: calculated
Note: Illustrative projection from your inputs — not a market quote.