What is a goal planner calculator?

It finds the monthly SIP (or investment) needed to reach a future goal amount given years and expected return.

Should goals be inflation-adjusted?

Yes. Enter the future cost of the goal (today’s cost grown with inflation), not just today’s price.

Can I plan multiple goals?

Plan each goal separately, then add required SIPs. Make sure total SIPs plus EMIs still fit your budget.

What if markets return less than assumed?

Increase SIP, extend tenure, or lower the goal. Review annually and use step-up SIPs when income grows.

Is lumpsum better than SIP for goals?

Lumpsum can work if money is ready and horizon is long. SIP reduces timing risk when you invest from salary over time.

Goal Planner

Set a financial goal and we'll calculate the exact monthly SIP you need to reach it on time.

Your Goal

Goal Name

Target Amount₹25.00 L

₹1.00 L₹1.00 Cr

Time to Goal15 years

1 years30 years

Expected Return12%

6%15%

Existing Savings for this Goal

₹

Plan for: Child's Education

Monthly SIP Needed

₹3,870

Start investing today

Total You'll Invest

₹7,96,577

Target Amount

₹25,00,000

Gap Remaining

₹19,52,643

Next Steps

Turn these numbers into action.

SIP Calculator

See how your SIP grows over time with What-If mode.

Retirement Calculator

Plan your biggest long-term financial goal.

Financial Health Score

Ensure this goal fits your overall plan.

About Goal Planner

Turn a rupee goal and target date into a required monthly SIP (and optional lumpsum).

How it works

Enter goal amount, years, expected return and existing savings. Get the SIP figure.

Practical tips

Create one plan per goal (education, house, wedding) instead of one vague corpus.

Important to know

Markets fluctuate — review annually and adjust SIP.

Frequently Asked Questions

What is a goal planner calculator?: It finds the monthly SIP (or investment) needed to reach a future goal amount given years and expected return.
Should goals be inflation-adjusted?: Yes. Enter the future cost of the goal (today’s cost grown with inflation), not just today’s price.
Can I plan multiple goals?: Plan each goal separately, then add required SIPs. Make sure total SIPs plus EMIs still fit your budget.
What if markets return less than assumed?: Increase SIP, extend tenure, or lower the goal. Review annually and use step-up SIPs when income grows.
Is lumpsum better than SIP for goals?: Lumpsum can work if money is ready and horizon is long. SIP reduces timing risk when you invest from salary over time.