Goal Planner
Enter what your goal costs today and when you need it. We adjust it for inflation and work out the monthly SIP needed to get there.
- Amount you invest
- Estimated returns
- Goal cost after inflation —
- Current savings grow to —
- Amount still needed —
- Total SIP investment —
- Estimated returns —
- Or invest once today —
Frequently asked questions
How does the goal planner work?
It first raises today's cost of your goal by the inflation rate for the number of years to the goal. It subtracts what your current savings are expected to grow to, and works out the monthly SIP needed to cover the rest.
Why adjust the goal for inflation?
Prices rise over time. A goal that costs ₹25 lakh today will cost about ₹44.8 lakh in 10 years at 6% inflation, so planning with today's cost would leave you short.
How is the monthly SIP worked out?
The calculator uses the future value of a monthly SIP, assuming each instalment is invested at the start of the month and grows at one-twelfth of the annual return rate, the same as the mutual fund returns calculator.
Are the returns shown guaranteed?
No. Mutual fund returns depend on market performance and are not guaranteed. Review your plan regularly and adjust the SIP if returns or your goal change.
Disclaimer: This calculator is for illustration only. The results are estimates based on the rate of return you enter and do not indicate, promise or guarantee future returns. Actual returns vary with market conditions and are not guaranteed.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. Please consult your financial advisor before investing.