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Tell the planner what your goal costs today. It applies inflation to the year you need the money, credits whatever you have already set aside, and solves for the monthly SIP that closes the rest — plus what it costs you to invest less than that.
Start from a preset, then adjust anything.
What it would cost if you paid this month — not what you guess it will cost later.
The date the money must be ready.
Education and healthcare run 8–10%; most else 5–6%.
Match the horizon: 10–12% equity, 8–10% hybrid, 6–7% debt.
Grown at the same expected return and deducted from the target.
Start smaller and raise the instalment with your income
Drag to see what a smaller instalment leaves you with
₹16,000 a month funds the goal with ₹61.7K to spare — you could bring the date forward or raise the goal.
Corpus at the required ₹15,878 SIP against the goal cost, which keeps rising at 9% a year.
SIP required for the same goal at other return assumptions.
Same goal, later date. The cost rises with inflation, but the SIP falls anyway — compounding wins the trade.
Most plans fail at the first line, not the last: the target is set in today's rupees. A four-year engineering degree that costs ₹25 lakh now is a ₹60 lakh bill in fifteen years at 6% inflation — and education has historically inflated faster than that. Fund the un-inflated number and you arrive with less than half of what the goal asks for.
So the honest sequence is: inflate the cost, credit what you already hold, and only then ask what the monthly instalment must be. If that number is uncomfortable, the levers are the date, the size of the goal, or a step-up — never a higher return assumption, which is the one variable you don't control.
Each has a fix on this page. Tap one to load the assumption it implies.
Typical Indian goals at a 12% return, each with the inflation rate that fits it. Tap a row to load it into the planner.
Illustrative. Mutual fund returns are not assured and vary with the fund and market cycle.
Inflate the cost first: future cost = today's cost × (1 + inflation)^years. Subtract the future value of savings already earmarked, then divide the remaining gap by the future value of a ₹1 monthly SIP. A goal costing ₹25 lakh today, needed in 15 years at 6% inflation and a 12% return, becomes about ₹59.9 lakh and needs roughly ₹11,900 a month.
Project what a fixed monthly SIP grows into over your horizon.
The rupee cost of starting this goal SIP a few months late.
Size the corpus your retirement needs, then the SIP for it.
Once the goal is funded, how long withdrawals can last.