Financial Goal & SIP Planner

Goal Planner Calculator

Calculate the inflation-adjusted future cost of your life goals and determine the monthly SIP investment required to achieve them.

Select a Financial Goal Preset

Today's Estimated Cost of Goal

₹

₹50,000₹30 Lakh₹2,00,00,000

Years Until Goal Target

1 Yr30 Yr

Existing Savings Allocated for this Goal

₹

₹0₹3 Lakh₹50,00,000

Expected Annual Inflation Rate

3%12%

Expected Investment Return Rate (p.a.)

4%20%

Illustrative assumed returns. Mutual fund investments are subject to market risks and returns are not guaranteed.

Monthly SIP Scenarios by Return Rate

Compare required monthly investments under different annualized return assumptions.

Scenario A (Lower Return)

₹20,000/mo

Assumed Return:9%

Net Gap:₹51,92,790

Scenario B (Selected Return)

₹15,106/mo

Assumed Return:12%

Net Gap:₹48,67,796

Scenario C (Higher Return)

₹10,980/mo

Assumed Return:15%

Net Gap:₹44,31,514

Required Monthly SIP

₹15,106

to reach ₹60,36,589 in 12 years

Inflation-Adjusted Future Cost₹60,36,589Inflated from ₹30,00,000 at 6% p.a.

Future Value of Existing Savings₹11,68,793Compounded at 12% p.a.

Net Funding Gap to Bridge₹48,67,796

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Frequently Asked Questions

Why must I factor inflation into long-term financial goals?

Due to inflation, the future cost of higher education or marriage will be substantially higher. For instance, a ₹25 lakh goal today will cost ₹45 lakh in 10 years at 6% inflation.

How does existing savings reduce my required monthly investment?

Your existing savings continue to compound in the background over your time horizon, reducing the net funding gap that your fresh monthly SIP needs to cover.