Tools • Goals

Savings Goal Calculator

Turn a future goal into a monthly investment target by considering today's cost, inflation, time and an assumed return.

India-focusedFree calculatorIllustration only

Savings Goal Calculator

Goal cost today (₹) Years to goal Inflation (% p.a.) Expected return (% p.a.) Existing goal corpus (₹)

Future goal cost—

Future value of existing corpus—

Required monthly investment—

Goals should have a date

“I want to buy a house someday” is difficult to plan. “I need ₹X in 8 years” gives you a measurable target.

Use ranges: Test different inflation and return assumptions instead of relying on one exact forecast.

Why inflation belongs in every goal plan

A goal's future cost is often different from its price today. SEBI's visual goal planner explicitly demonstrates the interaction between inflation, return and the amount invested over time.

Examples of useful goals

Home down payment

Child education

Higher education

Car purchase

Wedding

Financial independence

Goal planning checklist

• Set a target date.
• Estimate today's cost.
• Apply a reasonable inflation assumption.
• Subtract assets already dedicated to the goal.
• Choose a return assumption consistent with the risk you can actually accept.
• Review the plan annually.

Frequently Asked Questions

Should I use the same return assumption for every goal?

Not necessarily. A short-term goal and a long-term goal can have very different risk capacities and suitable investment mixes.

What if my required monthly investment is too high?

Consider increasing the time horizon, increasing contributions gradually, adjusting the goal, or reviewing the assumed return — but do not simply choose an unrealistically high return.

Important: This calculator is for educational illustration only. Actual outcomes depend on product terms, taxes, fees, market returns, timing and individual circumstances. Verify important financial decisions with the relevant institution/professional.

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