Ask five people in India how this is calculated and you will get five confident answers, most of them slightly wrong. It is not their fault — the arithmetic is rarely explained, only the result is shown. So let us do it the other way round: first the logic, then the formula, then your own numbers in the goal planner.
Cover image slot — add a screenshot or illustration from Admin → Blog when it is ready.
Prefer to start with your own figures? Use the Goal Planner now, or continue for the formula and a worked example.
The logic, in plain language
Define a target amount and time period. We calculate the monthly investment required to reach that goal based on expected returns.
The formula behind it:
Required Investment = (Goal - FV(Savings)) / [( (1+r)^n - 1) / r * (1+r)]
| Symbol | What it means |
|---|---|
Goal |
Target Amount |
r |
Monthly Rate |
n |
Months to Goal |
Nothing is rounded away quietly and nothing is assumed on your behalf. If a figure appears in the result, it came from something you entered.
Putting real figures through it
Saving ₹50L for a house in 10 years at 12% return.
Change any one input and watch the result move — that sensitivity is the real lesson. It is far more useful than memorising a single outcome, because your own rate, tenure or contribution will never match the example exactly.
Using the Goal Planner, step by step
- Open the Goal Planner.
- Enter your figures. Use the ones on your statement, sanction letter or scheme document rather than a remembered number.
- Read the result card — the headline figure plus the breakdown that produced it.
- Adjust one input at a time to see what genuinely moves the outcome.
- Tap Download PDF to keep a copy of the calculation, with your inputs and assumptions printed on it.
The PDF takes a few seconds to build because it is a properly typeset report, not a screenshot. You will see a progress message while it is being prepared, and the download starts on its own.
Things worth knowing before you decide
- Be realistic with return assumptions.
- Adjust for inflation in your target amount.
Where people usually slip up
- Underestimating the target amount.
If you want to go a level deeper afterwards, read up on goal-based investing. Both come up the moment you start comparing options seriously.