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Goal Planner

How much should I invest each month for a goal?

Enter what your goal costs today, how many years away it is and what you have already put aside. You will see what it will cost then, after inflation, and how much to invest each month to reach it.

₹
years
% p.a.
% p.a.
₹

Monthly SIP needed

₹15,416

Goal will cost₹35,81,695
Your savings will grow to₹0
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Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.

How It's Calculated

Goal then = cost today × (1 + inflation)^years

What you have saved grows at the expected return. The monthly SIP needed is the rest of the goal ÷ what ₹1 a month grows to by then, invested at the start of each month.

Worked Example

If you enter

  • Goal costs today₹20,00,000
  • Years to the goal10 years
  • Inflation6 % p.a.
  • Expected return12 % p.a.
  • Already saved for it₹0

You get

  • Monthly SIP needed₹15,416
  • Goal will cost₹35,81,695
  • Your savings will grow to₹0

These are the calculator's starting values. Change them above to see your own.

Where to Invest

Compare brokerage and charges before you open an account.

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Angel One

Delivery brokerage
Lower of Rs 20 or 0.1% (min Rs 5); Rs 0 up to Rs 500 in the first 30 days
Broker type
Discount
Free delivery trades
-
Broker
Angel One
Read more
  • Demat and trading account for stocks, F&O, IPOs, mutual funds and commodities, opened online for free. No brokerage up to Rs 500 in your first 30 days; after that the lower of Rs 20 or 0.1% per order.

Common Questions

Why add inflation to a goal?

A college fee or a car costs more every year. At 6% inflation, ₹20 lakh today is about ₹36 lakh in 10 years, and that is the amount to plan for.

What return should I assume?

Use a lower figure for a goal that is near or that you cannot move: deposits and debt funds for under 3 years, more equity for 7 years or more.

What if I already have some money for it?

Enter it under 'Already saved'. It grows at the same return, and the SIP only has to cover the rest.

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