Goal planner
Goal frequency controls goal-cost payments only. Existing and additional SIPs remain monthly; the duration and return assumptions are annual.
Assumptions
Future occurrences increase with inflation and are discounted to the goal start at your selected post-goal return. The cost is per occurrence. Existing monthly contributions occur at month-end. The additional monthly estimate closes the remaining gap; no goal or investment is saved to your plan. Fixed SIP, step-up SIP and lump sum are alternative ways to fund the same remaining gap, not amounts to add together. Additional SIPs are paid at month-end; the step-up occurs after each completed year. Existing monthly contributions stay fixed. Return comparisons vary the pre-goal return only, by three percentage points within 0–30%; they are scenarios, not forecasts. Investment returns are effective annual returns; monthly growth uses (1 + annual return)^(1/12) − 1.
Estimates are not personalised financial advice. Review assumptions before use.
Corpus needed at goal start
Based on your inputs. Not guaranteed. Exact amount: ₹17,90,848.
Goal payments
One payment at the goal start, adjusted for your inflation assumption.- Year 10₹17.91 lakhOne-time payment · future cost
View detailed breakdown
- Year 10
- ₹17.91 lakh
Why are future costs different?
Each goal payment reflects its timing and inflation. The cash-flow table separates future cost from its value at the goal’s start.
Detailed results
| Result | Value |
|---|---|
| Corpus needed at goal start | ₹17.91 lakh |
| Projected existing funding | ₹11.1 lakh |
| Funding gap | ₹6.81 lakh |
| Additional monthly contribution | ₹3,069 |
| Alternative one-time investment today | ₹2.19 lakh |
| Alternative starting step-up contribution | ₹2,104 |
| Goal funding covered | 61.962 % |
Cash flow table
| Period | Future cost | Value at goal start |
|---|---|---|
| Year 10 | ₹17.91 lakh | ₹17.91 lakh |