Everyday money tools

Goal Planner

Work out what to invest each month to reach your goal.

Your goal

Enter today’s goal cost or the amount you expect to need in the future. We’ll work out your monthly investment.

What are you planning for? (optional)

Goal cost

Today’s ValueApply inflation until your goal date Future ValueUse your target amount directly

Goal cost in today’s rupees

₹

What the goal would cost today.

Expected annual inflation

Use an assumption suitable for this goal.

Time to reach your goal10 years

1 year40 years

Expected annual growth10%

0%20%

Expected return after fees and taxes; not guaranteed.

This basic planner starts with no existing goal savings and uses a fixed monthly investment, with no yearly step-up.

Your goal plan

Your monthly investment and future target appear here.

Monthly investment needed—Enter your goal’s current cost to begin.

Goal cost after inflation—The amount you will need at your target date.

Increase in goal cost—

Total you will invest—

Expected investment growth—

Projected final corpus—

Monthly investment is rounded up to the next rupee. The projected corpus may therefore slightly exceed the goal cost.

Your path to the goal

See how your monthly contributions and investment growth build towards the future goal cost.

Investment corpusTotal contributionsFuture goal target

Enter your goal cost to see the growth projection.

Hover or tap to see yearly values. Keyboard: focus the graph and use the arrow keys. The dashed target is the cost at your goal date.

Principal vs investment growth

How much comes from your contributions, and how much from expected growth?

Your contributions and growth split will appear here.

How this calculation works

For Today’s Value: future goal cost = today’s cost × (1 + annual inflation)^years. For Future Value: the amount you enter is the goal target; inflation is not applied.

We assume an equal contribution at the end of every month, starting one month from today, and a constant effective annual growth rate. The equivalent monthly rate is (1 + annual growth)^1/12 − 1.

Monthly investment = future goal cost × monthly rate ÷ ((1 + monthly rate)^{number of months} − 1). At 0% growth, the monthly amount is simply the future goal cost divided by the number of months.

Total invested and projected growth use the rounded-up monthly amount. Growth represents modeled returns rather than guaranteed interest. No separate tax or fee calculation is applied.

This is a planning illustration. Actual goal costs and investment returns may differ from your assumptions. Review your progress and adjust contributions over time.