Goal calculator
Goal Calculator: Work Backward from a Future Target
Goal-based investing starts with a clear target date and an honest cost. This goal calculator inflates today's goal amount, then estimates the monthly SIP that could fund that future cost under an assumed annual return — useful for education, home, wedding, or other milestones.
Set the goal amount in today's rupees, inflation, expected return, and years available. Results update as you move the sliders. Illustrative estimates only — not investment or tax advice. Pair with the SIP calculator and portfolio guides when you turn the number into a habit.
Estimated monthly SIP needed
₹20 K
Frequently asked questions
How does this goal calculator work?
It first inflates your goal's cost in today's rupees to a future value using your inflation assumption, then works backward to estimate the monthly SIP that could reach that inflated target at your expected return.
Why adjust goals for inflation?
A child's education or a house deposit priced today will usually cost more in 5–15 years. Ignoring inflation understates the SIP habit you may need.
Are the SIP and return figures guaranteed?
No. Assumed returns are constant for modelling only. Real mutual fund and market returns vary year to year. Treat outputs as educational estimates, not guarantees or investment advice.
Can I use this for multiple goals?
Yes — run the calculator once per goal (education, wedding, home down payment, travel) with its own horizon and priority, then sum the SIPs and check against your budget.
What return assumption should I pick?
Match the assumption to the asset mix you intend for that goal's horizon. Shorter goals often use more conservative return assumptions than long equity-heavy goals. Revisit assumptions as markets and your risk capacity change.
Explore more: all calculators, the SIP Calculator, the Retirement Calculator, and SIP planning.