Goal Savings Planner
Have a target in mind — a house, education, or retirement fund? Enter your goal amount, timeline, and expected return to find out your required monthly SIP.
Goal
₹50.0 L
Real Value
₹20.9 L
Monthly SIP Needed
₹9,909
per month for 15 years
How it's built
After inflation
Use Fix Goal mode when you know the target (house, education, retirement) and want to find the monthly SIP needed. Use Fix SIP mode when you know what you can invest each month and want to see the corpus you will build.
The Inflation Rate slider shows what your corpus is actually worth in today's money. A corpus of ₹50.0 L in 15 years is only worth ₹20.9 L at today's prices — the outer ring of the donut shows how much purchasing power inflation silently takes.
Not sure what inflation or purchasing power means? Read our beginner's guide to inflation and purchasing power to understand the concepts behind these numbers.
The Insight
Start early and beat two forces at once: compounding grows your money faster than you put it in, while inflation shrinks the real value of your goal.
Every extra year of investing reduces your required SIP and gives your real value more time to catch up.
Tips for goal planning
- Set one SIP per goal to keep tracking clear.
- Review annually and step up SIP by 10% each year with salary growth.
- Use index funds for 10+ year goals; debt funds for shorter ones.
- Set your inflation rate to match your lifestyle, not just headline CPI.