Goal Planner
A goal costing ₹20 lakh today needs about ₹35.82 lakh in 10 years at 6% inflation — a monthly SIP of about ₹15,416 at an assumed 12% return.
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Enter what a goal costs today, when you need the money and the inflation you expect. The planner works out the future cost and how much to invest each month to reach it.
Example
A goal costing ₹20,00,000 today will cost about ₹35,81,695 in 10 years at 6% inflation. At 12% expected returns that needs a SIP of about ₹15,416 a month.
Goal Planner scenarios
| Cost today | Years to goal | Future cost | Monthly SIP needed | One-time investment needed |
|---|---|---|---|---|
| ₹5.00 lakh | 5 years | ₹6.69 lakh | ₹8,112 | ₹3.80 lakh |
| ₹10.00 lakh | 5 years | ₹13.38 lakh | ₹16,224 | ₹7.59 lakh |
| ₹20.00 lakh | 10 years | ₹35.82 lakh | ₹15,416 | ₹11.53 lakh |
| ₹25.00 lakh | 15 years | ₹59.91 lakh | ₹11,874 | ₹10.95 lakh |
| ₹50.00 lakh | 15 years | ₹1.20 crore | ₹23,748 | ₹21.89 lakh |
| ₹1.00 crore | 20 years | ₹3.21 crore | ₹32,099 | ₹33.25 lakh |
What changes the result
- Inflation for the specific goal — education and healthcare costs have often risen faster than general inflation.
- Time to the goal: more years means a higher future cost but a much smaller monthly SIP.
- The expected return, which should suit the time frame (short goals usually call for lower-risk, lower-return options).
- Money already saved for the goal, which reduces the SIP needed.
How to use this calculator
- Enter what the goal would cost if you paid for it today.
- Enter the number of years until you need the money.
- Enter the inflation rate for the goal and the return you expect.
- Read the future cost and the monthly SIP (or one-time amount) needed.
Goal Planner FAQs
Why adjust for inflation?
Prices rise every year, so a goal that costs ₹20 lakh today will cost more when you actually need the money.
What inflation should I use for education?
Education costs in India have often risen faster than general retail inflation, so many planners test 8–10% for education goals. Use a range to see how sensitive the SIP is.
Should the same return be assumed for every goal?
Not usually. Goals only a few years away are commonly planned with lower-risk options and a lower assumed return; long-term goals can assume more. These are illustrative estimates, not a recommendation. Actual results depend on the product, market conditions and your circumstances.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.