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Goal Planner

Plan for your major life goals with precision.

Last reviewed:
For FY 2026-27 · India

What the goal would cost if bought today.

When you need the money.

Your own assumption.

Money already set aside for this goal.

Your own assumption, not a promised or guaranteed return.

Quick examples

Monthly SIP needed₹7,708

To reach a goal costing ₹10,00,000 today in 10 years (about ₹17,90,848 then).

Y1Y5Y10
Total investedProjected value
What you are seeing: A ₹7,708 monthly SIP is projected to grow to ₹17,90,848, which with your grown savings covers the future cost.
Future goal cost₹17,90,848
Savings grown₹0
Monthly SIP needed₹7,708
Total you will invest₹9,24,949

What each result means

Future goal cost

What it is: Goal cost grown at your inflation rate.

Your value: ₹17,90,848

What you'll actually need.

Savings grown

What it is: Your existing savings grown at your return.

Your value: ₹0

Reduces what you still need.

Monthly SIP needed

What it is: Monthly investment to cover the gap.

Your value: ₹7,708

The headline figure.

Total you will invest

What it is: SIP × months.

Your value: ₹9,24,949

Compare with the future goal cost.

Year-by-year breakdown

Goal Planner year-by-year schedule
YearInvested this year (₹)Total invested (₹)Estimated growth (₹)Value at year end (₹)
1₹92,495₹92,495₹6,238₹98,733
2₹92,495₹1,84,990₹24,998₹2,09,988
3₹92,495₹2,77,485₹57,868₹3,35,353

How to read this: each row is one year of your SIP; by the final row the SIP plus your grown savings should reach the future goal cost.

Showing the first 3 of 10 years. Want charts, formulas and the full schedule? Get the detailed PDF.

What this calculator does

This calculator inflates a goal's cost to the year you need it, subtracts what your existing savings could grow to, and works out the monthly SIP to cover the rest.

What your result means

The SIP is what the numbers show under your assumptions, not a promise the goal will be met.

Formula

1. Future goal cost

FG = G × (1 + inf)ʸ

Symbols

G
Goal cost today (₹)

Worked example

₹10,00,000 at 6% for 10 years ≈ ₹17,90,848.

2. Savings grown

FS = S × (1 + r)ʸ

Symbols

S
Already saved (₹)

3. SIP needed for a target

SIP = (FG − FS) ÷ { [((1 + i)ⁿ − 1) ÷ i] × (1 + i) }

Symbols

i
Monthly return = annual ÷ 12 (decimal)
n
Months

Why this formula works

It reverses the future-value-of-SIP formula: the monthly amount that grows to the target.

Unit check

₹ = ₹ ÷ (pure ratio). ✓

Common mistakes

Using the annual rate as the monthly rate. Forgetting to inflate the goal to its future cost.

Working for your numbers

  1. FG = ₹10,00,000 × 1.060^10 = ₹17,90,848
  2. FS = ₹0 × 1.120^10 = ₹0
  3. Gap = ₹17,90,848
  4. SIP = gap ÷ 232.3391 = ₹7,708

Frequently asked questions

What if my savings already cover the goal?

Then the SIP needed shows ₹0 — under your assumptions, the savings alone could grow to the future cost.

Is the return on this page guaranteed?

No. Every rate here is your own assumption. Market-linked results go up and down; this page shows what the numbers give under your assumptions, not a promise.

When should I talk to a professional instead?

Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.

Symbols and assumptions

G
Goal cost today
inf
Inflation
S
Already saved
r
Assumed return
  • Inflation and returns are constant.
  • SIP instalments are invested at the start of each month.
  • Does not account for taxes, fees, expense ratios or exit loads.

Sources and review

Reviewed 2026-09-29 · Next review 2027-09-29

Not investment advice. VIA Capital is not a SEBI-registered investment adviser and this calculator does not recommend any fund, product or investment strategy. Market-linked investments are subject to market risk; assumed returns are not indicative of future results.
Important limitation. This is an educational estimate based solely on the values and formula shown. It is not financial, tax or investment advice. Actual returns will differ from any assumed rate. Verify with a qualified financial professional before making any investment decision.
RetirementCrorepatiSIP vs LumpsumMutual Fund ReturnsXIRRReal Return

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How it works

Define a target amount and time period. We calculate the monthly investment required to reach that goal based on expected returns.

The formula

Required Investment = (Goal - FV(Savings)) / [( (1+r)^n - 1) / r * (1+r)]
Goal
Target Amount
r
Monthly Rate
n
Months to Goal

Worked example

Saving ₹50L for a house in 10 years at 12% return.

Pro tips

  • Be realistic with return assumptions.
  • Adjust for inflation in your target amount.

Common mistakes

  • Underestimating the target amount.

Go deeper

Related lessons

The Power of Compounding

Concepts to explore

Goal-based investing

Related guides

Goal Planner: How It Works, Formula and a Worked Example

Plan for your major life goals with precision. Here is the formula, a worked example, the mistakes to avoid, and a free calculator with a downloadable PDF report.

Read guide

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.