Goal planner
Tell us what your goal costs today and how many years away it is. See what it may cost then, and how much you would need to invest each month to get there at the return you assume.
For example, today's fees for a course, or the price of a home.
Your assumption. Education and healthcare often rise faster than general prices.
Your assumption, not a promise. Try a lower rate too.
Optional. Assumed to grow at the same expected return.
- Goal cost in 10 years
- ₹17,90,847.70₹17.9 lakh
- Monthly SIP needed
- ₹7,707.91
- Or invest once, today
- ₹5,42,617.50₹5.4 lakh
- Total you would put in by SIP
- ₹9,24,948.69₹9.2 lakh
| Year | Projected value | Goal cost then |
|---|---|---|
| 1 | ₹98,733 | ₹17,90,848 |
| 2 | ₹2,09,988 | ₹17,90,848 |
| 3 | ₹3,35,353 | ₹17,90,848 |
| 4 | ₹4,76,617 | ₹17,90,848 |
| 5 | ₹6,35,797 | ₹17,90,848 |
| 6 | ₹8,15,166 | ₹17,90,848 |
| 7 | ₹10,17,282 | ₹17,90,848 |
| 8 | ₹12,45,032 | ₹17,90,848 |
| 9 | ₹15,01,667 | ₹17,90,848 |
| 10 | ₹17,90,849 | ₹17,90,848 |
Estimates for illustration only, based on the numbers you enter. Your bank or lender may calculate differently. This is not financial, tax or legal advice.
Returns are not guaranteed. The result depends entirely on the inflation and return you assume, and is before any tax.
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Join the betaHow it's calculated
Goal cost then = Cost today × (1 + inflation ÷ 100)^years.
Savings you already have grow as Savings × (1 + return ÷ 1200)^months.
Monthly SIP = (Goal cost then − what your savings grow to) ÷ [((1 + i)^months − 1) ÷ i × (1 + i)], where i = return ÷ 1200 and each instalment is invested at the start of the month, as in the SIP calculator.
One-time amount today = (Goal cost then − what your savings grow to) ÷ (1 + i)^months.
All sums are exact; amounts are rounded to the paisa only at the end.
Questions
What return should I assume?
It is your assumption, and actual returns can be higher, lower or negative, especially for market-linked investments. Try a lower rate as well to see how much more you would need.
Why does inflation matter for a goal?
Because the goal will cost more when you get there. A course that costs ₹10 lakh today costs about ₹17.9 lakh in 10 years at 6% inflation, and the plan has to aim for that figure.
Does this tell me where to invest?
No. It only works out the amounts from the cost, years, inflation and return you enter. It does not suggest any fund, scheme or product.