Calculator
Goal Planner
Add each goal with what it costs today and when you need it. The planner raises each cost for inflation, counts what you have already saved, and shows the monthly SIP, step-up SIP or one-time investment that covers them all.
Plan all your goals together
Choose how to invest
Assumed return is the same value as Return before retirement in the Retirement tab: change either one and both update, so the retirement SIP matches in both places.
Add your goals
Enter what each goal would cost if you paid for it today. We add inflation for you.
- 1Cost in 2041
₹59.9 L2041
Monthly SIP₹12,589
- 2Cost in 2046
₹1.6 Cr2046
Monthly SIP₹17,433
- 3₹1,40,87,86230 yrs₹0Cost in 2056
₹8.09 Cr2056
Monthly SIP₹26,262
Linked to the Retirement tab: ₹8.09 Cr is needed at age 60 to cover your expenses until 90. Cost today, years and savings come from there. Edit retirement details →
Up to 8 goals. Rename any goal by typing over its name.
Your consolidated plan
Monthly SIP for all goals
₹56,284
Total goal cost then
₹10.29 Cr
You invest in total
₹1.59 Cr
Invest ₹56,284 a month to cover all 3 goals. Each goal has its own share, and once a goal is reached its SIP stops, so your monthly amount falls over time.
When each goal falls due, and its share of the plan
Year-by-year plan for all goals
| Year | Age | Monthly SIP | Portfolio value (year end) | Goal withdrawal | Goal |
|---|
After retirement the corpus pays ₹5,74,349 a month (your expenses at retirement, kept the same, as the Retirement tab assumes) and earns 8% a year until age 90.
The figures presented are strictly for illustrative purposes, based on user-defined assumptions, and do not constitute a forecast or guarantee of future returns. All projections and calculations are powered by our proprietary, in-house Gammasphere Analytics software. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.
The method
How it works
- 01Each goal’s cost is raised by inflation to the year it falls due: cost today × (1 + inflation) ^ years.
- 02Money already saved for a goal is assumed to grow at the expected return until then.
- 03A SIP (or lumpsum) covers the gap. Each goal’s SIP stops once that goal is reached, and the plan is the sum of its goals.
Questions
Asked often
Why plan goals together rather than one at a time?
One plan shows what all your goals need from your monthly budget at once, so you can see whether it is affordable and which goal to move if it is not.
What inflation should I assume?
Many planners use around 6% for general expenses, and more for education and healthcare, which have tended to rise faster. Try a few values to see how much the plan changes.
Should I choose a step-up SIP or a flat SIP?
A step-up SIP starts lower and rises every year, which suits a growing income. A flat SIP puts more money to work early. The planner shows both so you can compare.
Want to talk it through?
Book a free 30-minute call and we’ll look at what fits your goals, with no obligation.