Goal Planning Calculator
Calculate SIP or lumpsum needed to reach your financial goal. Includes inflation adjustment & existing investment growth.
Frequently Asked Questions
How to set a financial goal?
Define the goal amount, timeline, and adjust for inflation. Then calculate how much to invest monthly via SIP to reach the inflation-adjusted target.
Should I adjust my goal for inflation?
Always. A goal of ₹50 lakh in 10 years actually needs ₹90 lakh at 6% inflation. Ignoring inflation means you'll fall short of your real purchasing power needs.
SIP or lumpsum for goal planning?
SIP is better for most goals — it reduces timing risk and is easier on cash flow. Use lumpsum for windfalls or when you have a large sum and markets are reasonably valued.
What return rate should I assume?
Be conservative: 10-12% for equity, 7-8% for balanced, 6-7% for debt. For long-term goals (10+ years), equity allocation can be higher. For short-term, stick with debt.
How often should I review my goals?
Review annually. Adjust for actual returns, changed timelines, or inflation. Increase SIP by 10-15% yearly (step-up SIP) to stay on track and account for lifestyle inflation.