Goal-Based Investment Planning
Goal-Based Investing Calculator
Determine your future goal cost adjusted for inflation and calculate the exact monthly SIP needed to reach your target for home buying, college education, children's weddings, domestic/international vacations, retirement, or custom financial milestones.
Goal Details
Preset values are provided for each goal type as a baseline; customize them freely to reflect your personal goals.
Enter today's estimated cost, not the future inflated figure—the calculator projects inflation automatically.
Assumed rate of return for planning purposes; actual market returns will fluctuate.
Projections assume the goal cost compounds with annual inflation and existing savings as well as monthly SIPs earn the estimated rate of return. Market investments are subject to risk and returns are not guaranteed.
Required Monthly SIP for Home Purchase
₹ 0 per month
Calculated assuming monthly investments made at the end of each month until the target year.
Future Goal Cost (Inflation-Adjusted)
₹ 0
Future Value of Existing Investments
₹ 0
Projected Portfolio Growth vs. Goal Target
Year-by-year trajectory of your projected investment corpus against the rising inflation-adjusted goal target.
Plan Summary
Formula: Future Goal = Current Cost × (1 + Inflation)Years. The future compounding value of current investments is deducted, and the remaining shortfall is bridged by the required monthly SIP. Taxes, expense ratios, and sequence-of-returns risk are excluded.
Learn how to build an optimal asset allocation for your goals in our Portfolio Creation Guide.
- Future goal target costs are adjusted using compounded annual inflation (lifestyle/education inflation may be higher than headline CPI).
- Monthly SIP investments are compounded monthly at the assumed constant annual rate of return.
- Mutual fund investments are subject to market volatility; actual annualized returns will vary across market cycles.