Reverse-engineered, honest

Goal Planner.

Down payment in 5 years? Kid's college in 12? Wedding in 3? Tell us the goal — we tell you what it costs per month, and whether the number is realistic at your income.

Goal amount (in today's rupees)

₹

Tip: type "50L" or "2Cr" — both work. Goal grows with inflation by the time you reach it.

Years to goal

yrs

Already saved (optional)

₹

Existing money earmarked for this goal. It compounds along with your SIP.

Your monthly take-home (for the reality check)

₹

Returns & inflation

Expected portfolio return

Inflation (goal grows by this)

Monthly SIP needed

₹—

/ month

—

Future cost of your goal

₹—

Today's ₹— becomes this much in — years at —% inflation.

Your existing corpus grows to

₹—

If you stop adding anything else, your current ₹0 alone gets you here.

How this maths works

We take your goal (in today's rupees), inflate it for the years you've got, subtract whatever your existing corpus will grow into, and solve for the monthly SIP that fills the gap. If the required SIP is more than 50% of your take-home, that's a signal: the goal needs more time, less ambition, or a different income.

Three honest alternatives

What if the SIP is too steep?

Tweak	Goal	Years	New SIP

The uncomfortable bit

—

Most "goal calculators" online tell you a comfortable SIP and stop there. They forget that the goal will be more expensive by the time you get to it — and that you have an income, not a magic wallet.

This one shows the honest SIP, the share of your income it would eat, and what changes if you give the goal more time or less ambition.

Goal Planner.

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