Investments

Goal Planning Calculator

Got a target — ₹1 crore retirement, ₹50L for child's education, ₹30L home down payment? This calc works backwards from the goal to the monthly SIP needed at your expected return.

Goal inputs

Target amount

₹

₹50.0 K₹50.00 Cr

Expected return (p.a.)

1%25%

Years to goal

1 yr40 yr

Required monthly SIP

₹19,819

for 15 years at 12% return

Or one-time lumpsum today

₹18,26,963

SIP total invested

₹35,67,352

Gains from compounding

₹64,32,648

Path to your goal

Following the SIP, you'll hit ₹1,00,00,000 in year 15

Common goals & realistic numbers

• Crorepati in 20Y: ~₹10,000/month SIP at 12% return
• Crorepati in 15Y: ~₹20,000/month SIP at 12% return
• ₹50L for child's foreign education in 15Y: ~₹10,000/month at 12% (₹50L today is ₹1.5cr in 15 yr at 8% education inflation — plan accordingly)
• ₹30L house down payment in 7Y: ~₹25,000/month at 10%
• Retirement at 50, ₹5cr corpus from age 30: ~₹50,000/month at 12%

Tips for goal planning

1. Always inflate the target if it's a future expense (education, retirement)
2. Use realistic returns: 10–12% for equity-heavy long-term, 7–8% for hybrid, 6.5% for FDs
3. Step up SIP every year by 10% — most calcs (this one too) assume flat SIP
4. Have separate SIPs for separate goals — different time horizons need different asset allocation
5. Review annually, rebalance, increase SIP with salary hikes