Goal Planning Calculator
Enter your target corpus, time horizon, and expected return to find out exactly how much to invest monthly or as a lumpsum.
Adjust your target for inflation. Long-term India inflation averages 5-6%.
Inflation-Adj. Target
₹89.54 L
Original: ₹50.00 L
Lumpsum Required
₹28.83 L
Invest today
Monthly SIP Required
₹38,540
Results shown are estimates based on assumed annual returns and are for illustrative purposes only. Actual returns will vary.
What is goal-based investing?
Goal-based investing means assigning every rupee of your investing to a specific goal - a house, a child's education, retirement, a wedding - instead of investing as a vague "I want more money". Each goal has a target amount, a target date, and the monthly SIP needed to reach it. This calculator turns a goal into arithmetic. You enter the future amount you need and when, and it computes the monthly SIP required at your assumed return. It also handles inflation, so you can plan in today's rupees or future rupees.
How to use the Goal Planning Calculator
- Enter the target amount. How much you need at the goal date.
- Enter the time to the goal. Number of years until you need the money.
- Set the expected return. Use 10-12% for long-term equity, 8% for hybrid, 7% for debt.
- Add an inflation rate if planning in today's rupees. Use 6% for general inflation; higher for education and healthcare.
- Read the monthly SIP required. The calculator returns the SIP that gets you to your goal at maturity.
Formula and method
Inflation grows today's target into future rupees. The SIP formula is then back-solved for the monthly amount that, compounded at the expected return for n months, reaches the future target.
Why goal-based investing wins
- Turns vague worry into a number. A real SIP figure beats a vague intention.
- Keeps you on track. Each year you can check progress and adjust.
- Lets each goal use the right fund. Short-term goals in debt, long-term in equity.
- Stops cross-pollution. Money for your child's education doesn't get spent on a TV.
- Calms market noise. A 15-year goal is not threatened by a 3-month fall.
Sample SIP for a ₹1 crore goal at 12% return
| Time to goal | Monthly SIP needed |
|---|---|
| 10 years | ≈ ₹43,000 |
| 15 years | ≈ ₹20,000 |
| 20 years | ≈ ₹10,000 |
| 25 years | ≈ ₹5,300 |
| 30 years | ≈ ₹2,800 |
Illustrative at 12% annual return. Time is the most powerful variable - the longer the horizon, the smaller the SIP needed.