Goal planner calculator
Work out the monthly amount a future goal needs after inflation. Move the sliders or type your own numbers.
₹23,748
- Goal cost in the future
- ₹1,19,82,791
- Amount you invest
- ₹42,74,683
- Estimated returns
- ₹77,08,108
- Or one lump sum today
- ₹21,89,211
This calculator gives estimates for learning. Real rates, charges and returns vary, and nothing here is advice or a recommendation. Read the disclaimer.
How the goal planner works
First it grows today's goal amount by inflation: future cost = goal × (1 + inflation)n. Then it finds the monthly SIP that grows to that cost at your return. The lump sum shown is the single amount that would grow to the same cost if invested today.
Both the inflation and the return are assumptions, and real values change every year. The result does not include fund charges or tax.
Common questions
Why does the goal cost more in the future?
Prices rise over time, so a goal that costs a certain amount today costs more by the time you reach it. The calculator applies your inflation assumption to show the future cost.
What is the monthly SIP shown?
It is the fixed monthly amount that would grow to the future cost at the return you enter, with each instalment invested at the start of the month.
Can I rely on this to plan my finances?
Use it to understand the size of the effort, not as a promise. Real returns and inflation vary, so revisit the numbers regularly and keep a safety margin.