Goal planner
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Method and sources
Each dated event's cost rises from today's cost by annual inflation. Later events are discounted to the goal start at the visible post-goal annual effective return. Existing savings compound at the pre-goal effective annual return; running and new SIPs are invested at month-start at the annual nominal return divided by 12. New fixed, annually stepped and lump-sum amounts are alternative ways to fund the gap. Return scenarios vary the pre-goal rate by three percentage points; they are sensitivities, not forecasts. No account, portfolio or plan is read or changed.
Illustrative estimate only. Returns and inflation are assumptions, not guarantees. Tax, fees and market variation are excluded. Not financial advice.