Goal Planner
Every Dream
Has a Number
Tell us your goal — home, education, wedding, retirement — and we calculate the exact SIP you need today. Inflation-adjusted, realistic, achievable.
Goal Planner Calculator
Find the exact SIP to reach any financial goal — inflation-adjusted
Goal Planning — Key Numbers
Critical data every Indian investor needs to plan financial goals
Goal Planning Guide
Complete roadmap to plan and achieve every financial goal
Step 1: Define Precisely
Be specific: "Buy 2BHK in Pune for ₹1.2 Cr in 2035" beats "Save for home." Write the goal, exact amount in today's value, and hard deadline.
Step 2: Inflate the Target
₹1 crore today is not ₹1 crore in 15 years. At 6% inflation you need ₹2.4 crore. Always plan future value — this calculator does it automatically.
Step 3: Pick the Right Asset
Short goals (<3yr): Debt funds, RD, FD. Medium (3–7yr): Balanced/hybrid funds. Long (>7yr): Pure equity index funds for maximum growth power.
Step 4: Start Step-Up SIP
Begin with what you can afford, increase 10% every year. Step-up SIP needs 30–40% lower starting amount than flat SIP for the same target corpus.
Step 5: Annual Review
Every January: check progress, step up your SIP, rebalance portfolio, update target for revised inflation. Goals are living, breathing documents.
Protect the Goal
Buy term insurance (10–15× income). Without insurance, a family emergency can erase years of goal savings. Goal protection = non-negotiable.
Home Buying
Target 20–30% down payment — avoid 90% loan. Build a separate SIP for down payment. Consider property appreciation (5–7%/yr). Keep EMI under 40% of take-home pay.
Child Education
Education inflates 8–10%/year. Start from birth — 18 years of compounding is enormous. Use Sukanya Samriddhi (girls), ELSS SIP (tax-saving), or child plan mutual funds.
Retirement
You need 25× annual expenses as corpus (4% withdrawal rule). Add NPS for additional tax-free growth. At retirement, shift 60% to bonds. Never stop SIP after 50.
Step-Up SIP: The Big Difference
Why a step-up SIP creates dramatically more wealth with same starting commitment
Goal Planning Pro Tips
Expert strategies to hit every financial goal you set
One Goal = One SIP Account
Never mix goals in a single mutual fund. Create separate SIP portfolios for each goal (home, education, retirement). Mixing goals leads to confusion, premature withdrawals, and goal failure. Clear separation creates emotional discipline.
Auto-Increase SIP on Appraisal Month
Most platforms allow step-up SIP setup once. Schedule your annual SIP increase on your appraisal month. A 10% step-up on ₹10K/month for 20 years creates ₹2.14 crore vs ₹99.9 lakh for a flat SIP — same first year.
Your Goal Fund is Untouchable
Never redeem a goal SIP for vacations, gadgets, or short-term needs. The true cost of a ₹50K redemption 10 years before goal maturity is ₹1.55 lakh (at 12%). Set up an emergency fund first — goal fund is locked.
Frequently Asked Questions
Everything about goal-based financial planning in India
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