Retirement & Wealth Planning

Goal Planning Calculator

Plan for any goal by calculating the exact monthly SIP needed to reach your target corpus.

About the calculator

What is the Goal Planning Calculator?

The Goal Planning Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • FV of current savings
    FV_c = C × (1 + r)ⁿ
  • Gap
    Gap = Target − FV_c
  • Required SIP
    SIP = Gap × (rm) / [(1+rm)ᴺ − 1] / (1+rm)

Why use the Goal Planning Calculator?

Financial planning works only when it's specific. The Goal Planning Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Tying each rupee to a specific goal with a defined horizon and target.
Yes — inflate today's cost to the future value before plugging in.
Extend the horizon, lower the goal, or step up the SIP yearly.
Equity for >7yr, hybrid for 3–7yr, debt for <3yr.
Yes — separate funds simplify tracking and tax management.
Annually, or whenever income changes meaningfully.

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