Goal Calculator — Investment Planning
Plan exactly how much you need to invest each month to hit a specific financial target. Whether it is buying a home, funding education, building a marriage corpus, or any other milestone, this calculator works backward from your goal amount and tells you the monthly SIP required. It adjusts for inflation so your target reflects what things will actually cost in the future, and it accounts for any savings you already have. The result is a clear, actionable number you can set up as a recurring investment today.
Goal Calculator
Goal-based investment
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How do I set a realistic financial goal?
Start with the current cost of what you want — a house down payment, your child's education, or a car — and then adjust it for inflation over the number of years until you need the money. For example, if a goal costs Rs 10 lakh today and you need it in 10 years, at 7% inflation the actual target is roughly Rs 20 lakh. Working with inflation-adjusted numbers prevents you from falling short.
What return rate should I assume for goal planning?
It depends on your time horizon and risk appetite. For goals more than 7 years away, equity mutual funds historically deliver 10-12% CAGR. For 3-7 year goals, a balanced or hybrid fund at 8-9% is more realistic. For goals under 3 years, stick with debt funds or FDs at 6-7%. Always use post-tax returns for accuracy, and consider running the calculation with both optimistic and conservative estimates.
Should I account for existing savings toward my goal?
Absolutely. If you already have some money set aside, enter it as the initial investment. The calculator will factor in the growth of that lump sum alongside your monthly contributions, which usually reduces the SIP amount you need. Ignoring existing savings leads to over-saving, while accounting for them gives you a more accurate and achievable monthly target.