Goal-Based Investment Calculator
Plan how much to invest monthly, annually, or as a lumpsum to reach a financial goal after inflation — marriage, education, retirement, and more.
Starting assumptions only — edit any field to match your situation.
Editable label for your plan.
What the goal would cost in today’s rupees (or your target corpus for wealth creation).
For Emergency Fund: if expenses and months are both set, target = expenses × months.
For Emergency Fund sizing only.
Assumed annual rise in the goal’s cost — edit freely.
Expected investment return — not guaranteed.
Already allocated toward this goal; grown at the assumed return.
Highlights required investment for your preferred style; all three amounts are still shown.
Future goal cost = current cost × (1 + inflation)^years. Existing savings grow at the assumed annual return. Shortfall = max(0, future goal − existing future value). Monthly SIP uses the same annuity-due math as the SIP calculator. Presets are illustrative starting points — edit assumptions to match your situation. Returns are estimates, not guarantees.
What is a goal-based investment calculator?
It estimates how much you may need to invest — monthly, annually, or as a lumpsum — so that today’s goal cost, inflated over time, can be funded after accounting for money you already have for that goal.
How is the future goal cost calculated?
Future cost = current estimated cost × (1 + inflation rate)^years. Zero inflation leaves the cost unchanged. Inflation is an assumption you control.
Are projected returns guaranteed?
No. Assumed annual return is a planning input only. Markets, fees, and taxes can make actual outcomes higher or lower.
Can I use this for marriage, education, or retirement?
Yes. Choose a goal template for starting values, then edit cost, years, inflation, return, and existing savings. Custom Goal lets you name any plan.
How do existing savings work?
Existing savings are grown at the assumed return over the goal period. Only the remaining shortfall drives required SIP, annual, or lumpsum amounts. If savings already cover the goal, required investment is zero.
What if my assumed return is below inflation?
The math still works — you will typically need a larger contribution because the goal grows faster than your investments. That is a planning signal, not an error.
How is monthly investment calculated?
We reverse the SIP (annuity-due) future-value formula used on this site so the monthly amount targets the shortfall. Zero-return cases simply divide the shortfall across the months.
Do presets lock my inputs?
No. Templates only fill fields you have not manually edited. Change any value anytime. Reset restores the original defaults.