Knowledge Base

Financial Goal Planner

Monthly SIP = Goal × r / ((1+r)^n − 1)

Set specific goals: child's education, house down payment, world trip — each needs a unique strategy.

Account for inflation: A ₹20L education today costs ₹54L in 15 years at 7% inflation.

Deduct existing corpus from the goal before calculating required SIP.

Use equity for goals 7+ years away, debt/hybrid for 3-7 years, FD/liquid for <3 years.

Review and adjust goals annually as circumstances and markets change.

Pro Tip

Break big goals into milestone SIPs — it feels more achievable and keeps you motivated.

Financial Goal Planner - Complete Guide

Everything you need to know about Financial Goal Planner and how to optimize your financial strategy.

Understanding the Formula

The core calculation is based on:

Monthly SIP = Goal × r / ((1+r)^n − 1)

Key Concepts & Rules

Set specific goals: child's education, house down payment, world trip — each needs a unique strategy.

Account for inflation: A ₹20L education today costs ₹54L in 15 years at 7% inflation.

Deduct existing corpus from the goal before calculating required SIP.

Use equity for goals 7+ years away, debt/hybrid for 3-7 years, FD/liquid for <3 years.

Review and adjust goals annually as circumstances and markets change.

Expert Strategy

Break big goals into milestone SIPs — it feels more achievable and keeps you motivated.

How to use this Calculator?

1. Enter your specific values in the input fields above.
2. The calculator will render instant results as you type.
3. Check the breakdown table for year-by-year projections.
4. Adjust the inputs to see how different scenarios impact the final result.