🎯 Goal Planning Calculator
Achieve your financial goals with a personalized investment plan
Your Financial Goal
₹1,00,00,000
With 6% inflation, in 12 years you actually need
₹2,01,21,965
That's 101% more than today's value
Time Period
12 years
Expected Return
12% p.a.
What You Need To Invest
Monthly SIP Required
₹50.4K
with 5% annual step-up
First Year Monthly
₹50.4K
Last Year Monthly
₹86.2K
Popular Financial Goals
Drag to reorder priority₹1.00 Cr
Retirement Corpus
₹50.00 L
Child Education
₹25.00 L
Home Down Payment
₹10.00 L
Dream Vacation
Highlight applies only to your top-priority goal based on the order above.
Customize Your Goal
Many investors increase their SIP after annual salary hikes. Setting the step-up rate close to your expected income growth (for example 5–10%) helps model realistic, sustainable contributions.
Step-up Impact Comparison
Same starting SIP (₹50.4K/month) with different annual step-up rates
0%
SIP: ₹50.4K/mo • Lumpsum: ₹0
13.4 years
⏱️ 1.4 years slower
5% (Your Plan)
SIP: ₹50.4K/mo • Lumpsum: ₹0
12.0 years
✅ Your selected plan
10%
SIP: ₹50.4K/mo • Lumpsum: ₹0
10.8 years
🚀 1.2 years faster!
Lumpsum Impact Comparison
Same SIP (₹50.4K/month at 5% step-up) with different initial lumpsum amounts
Your Plan
Lumpsum: ₹0
12.0 yrs
+₹2.00 L
Lumpsum: ₹2.00 L
11.8 yrs
0.2 yrs faster
+₹5.00 L
Lumpsum: ₹5.00 L
11.4 yrs
0.6 yrs faster
+₹10.00 L
Lumpsum: ₹10.00 L
10.9 yrs
1.1 yrs faster
Combined Impact: Step-up + Lumpsum
See how combining higher step-up with additional lumpsum accelerates your goal
Your Plan
5% step-up • ₹0 lumpsum
12.0 years
✅ Your baseline
+5% step-up
10% step-up • ₹0 lumpsum
10.8 years
🚀 1.2 years faster!
+₹5L lumpsum
5% step-up • ₹5.00 L lumpsum
11.4 years
🚀 0.6 years faster!
Both
10% step-up • ₹5.00 L lumpsum
10.4 years
🚀 1.6 years faster!
🛡️ Comfortable Alternative: Lower Step-up Option
Prefer 0% step-up instead?
Here's what you need to reach the same goal in 12 years:
Your Current Plan (5% step-up)
What you've selected:
📊 Investment Breakdown
Total Invested
₹96.27 L
Expected Returns
₹1.05 Cr
Final Value
₹2.01 Cr
Wealth Multiplier
2.09x
| Invested | Returns | Total | |
|---|---|---|---|
| Y12 | ₹96.27 L | ₹1.05 Cr | ₹2.01 Cr |
| Y11 | ₹85.92 L | ₹82.87 L | ₹1.69 Cr |
| Y10 | ₹76.07 L | ₹64.39 L | ₹1.40 Cr |
| Y9 | ₹66.69 L | ₹49.08 L | ₹1.16 Cr |
| Y8 | ₹57.75 L | ₹36.52 L | ₹94.27 L |
| Y7 | ₹49.24 L | ₹26.36 L | ₹75.60 L |
| Y6 | ₹41.14 L | ₹18.27 L | ₹59.41 L |
| Y5 | ₹33.42 L | ₹11.99 L | ₹45.41 L |
| Y4 | ₹26.07 L | ₹7.27 L | ₹33.34 L |
| Y3 | ₹19.07 L | ₹3.89 L | ₹22.95 L |
| Y2 | ₹12.40 L | ₹1.65 L | ₹14.05 L |
| Y1 | ₹6.05 L | ₹40.8K | ₹6.46 L |
Your Goal is Within Reach!
✅ To reach ₹2.01 Cr in 12 years (₹1,00,00,000 today + 6% inflation), start with ₹50.4K per month
✅ Your money will work for you 24/7 through compound growth
✅ Review annually and adjust your step-up based on income growth
"The best time to start investing was yesterday. The second best time is today."
About Goal Planning Calculator
Set a goal and get the exact SIP or one-time amount needed. Calculations include an inflation adjustment so you see the future value you'll actually need — use the Inflation slider to tune it.
What it does
Reverse-engineers monthly SIP or lumpsum to reach an inflation-adjusted target.
Why inflation matters
Today’s amount won’t buy the same in the future — the tool shows the inflated target so you plan realistically.
Quick visualization
Charts show timelines and alternatives (step-up, lumpsum) with the inflation-adjusted target.
Easy tuning
Adjust return, step-up and inflation to see practical plans and yearly breakdowns.
💡 Pro Tip: Use a realistic inflation rate (4–7%) to understand how much more you'll actually need.
For investing outside India, use our Investment Goal Planner with USD, EUR, and GBP support.