INVEST · CALCULATOR
Goal Planner
Child education, a house, a car: find the monthly SIP or the one-time amount you need today, after inflation.
Breakdown
Growth over time
Year by year
How this is calculated
The goal is first inflated to its future cost: FV = G × (1 + f)^t. SIP needed = (FV − savings grown) × i ÷ [((1 + i)^n − 1) × (1 + i)]. One-time amount needed today = (FV − savings grown) ÷ (1 + r)^t.
What the letters mean: G = goal in today's money, f = inflation, t = years, r = yearly return, i = r ÷ 12 (monthly return), n = t × 12 months. With step-up, the SIP rises by the step-up % after every 12 instalments.
Timing: SIP instalments are paid at the start of each month. A one-time amount is invested today.
Default values: I want to invest: Monthly (SIP) · Goal amount (today's value): ₹25.00 L · Years to goal: 10 yrs · Inflation: 6 % · Expected return (p.a.): 12 % · Savings you already have for it: ₹0 · Raise SIP every year by: 0 %
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.