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Calculator
One journey for five goals — the real future cost, the SIP that funds it, and the gap on what you can afford.
Funded 30.9% — shortfall ₹83.10 L
₹82,768/mo needed
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.
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.
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.
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.
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.
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.