Goal planner
Work out the SIP needed for one or more goals.
Your inputs
Advanced settings
Return of the safer investment used in the last years.
How the yearly return is applied
Most apps divide the yearly return by 12, which shows about 3.5% more over 10 years. We use the effective rate by default, so 12% means 12% a year.
Payment timing
Results
Generated on 11 Oct 2026
Your inputs
| Step-up for the rising SIP option | 10% |
|---|---|
| Debt return for the glide path | 7% |
| How the yearly return is applied | Effective (12% = 12% a year) |
| Payment timing | Start of month |
Total monthly SIP needed
₹38,142
for 2 goals, every month
- Or a starting SIP rising 10% a year
- ₹31,124
- Or a lumpsum today
- ₹19,18,677
- Total future cost
- ₹40,17,242
| Goal | Years to goal | Future cost | Monthly SIP needed | Rising SIP (+10%/yr) | Lumpsum today |
|---|---|---|---|---|---|
| Goal 1 | 7 | ₹30,07,261 | ₹20,202 | ₹15,510 | ₹11,89,746 |
| Goal 2 | 4 | ₹10,09,982 | ₹17,940 | ₹15,614 | ₹7,28,932 |
Year-by-year breakdown
| Year | Monthly SIP | Rising SIP this year | Goal 1 | Goal 2 | Total corpus |
|---|---|---|---|---|---|
| 1 | ₹38,142 | ₹31,124 | ₹5,93,908 | ₹2,26,776 | ₹8,20,684 |
| 2 | ₹38,142 | ₹34,236 | ₹9,23,086 | ₹4,72,827 | ₹13,95,913 |
| 3 | ₹38,142 | ₹37,660 | ₹12,91,765 | ₹7,35,157 | ₹20,26,922 |
| 4 | ₹38,142 | ₹41,426 | ₹17,04,685 | ₹10,09,982 | ₹27,14,666 |
| 5 | ₹20,202 | ₹22,707 | ₹21,36,624 | ₹0 | ₹21,36,624 |
| 6 | ₹20,202 | ₹24,978 | ₹25,75,458 | ₹0 | ₹25,75,458 |
| 7 | ₹20,202 | ₹27,476 | ₹30,07,261 | ₹0 | ₹30,07,261 |
Assumptions and method
Formula
- Future cost = today's cost · (1 + goal inflation)^years
- Required SIP solved by bisection on the month-by-month simulator
- Glide path: equity share = (years left − 1) / 3 over the last 3 years
Conventions used
- Monthly rate: i = (1 + r)^(1/12) − 1 (Effective (12% = 12% a year))
- Money moves at the start of each month, so an instalment earns that month's return.
Modelling notes
- Future cost = today's cost × (1 + goal inflation)^years.
- Glide path (if set) blends the return towards the safer rate over the final years.
Not included
- Market ups and downs: the same return is assumed every month.
- Expense ratio, exit load and stamp duty, unless your expected return already allows for them.
- Income tax on gains (turn on the post-tax option to estimate it).
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
List your goals, such as a house down payment, a car or a child’s wedding, with today’s cost and when you need the money. The planner inflates each cost to the goal date, counts what your existing savings will grow to, and works out the monthly SIP (flat or stepping up 10% a year) or the lumpsum needed for each goal.
Turn on the glide path to move gradually from equity to safer debt in the last three years before a goal, so a market fall just before you need the money hurts less.
Frequently asked questions
Why is the future cost so much higher?
Prices rise every year. At 6% inflation, a cost roughly doubles in 12 years. Planning with today’s cost leaves you short.
What is a glide path?
Over the final years before a goal, the plan shifts money from equity to debt. We model the return blending from the equity return to the debt return (2/3, 1/3 and 0 equity in the last three years).
Should I use a flat SIP or a step-up SIP?
A step-up SIP starts lower and grows with your income; a flat SIP is simpler. Both reach the same goal at the assumed return.