What return rate should I use?
Equity mutual funds: 10–12%. Balanced / hybrid funds: 8–10%. Debt funds / FDs: 6–7%. Use a blended rate that matches your actual asset allocation.
Free Goal Planning Calculator — No Sign-up Required
Goal Corpus Calculator — Find Your Monthly SIP Target
Enter your financial goal, time horizon, expected return, and inflation rate to instantly see exactly how much you need to invest every month — and whether your existing savings already cover part of it.
🔒 Nothing is stored or shared
✅ 100% free, no sign-up
💻 Runs entirely in your browser
Goal Amount (Today's Value)
₹50,00,000
Enter the cost of your goal in today's money — the calculator adjusts for inflation automatically.
Time Horizon
10 Years
Expected Annual Return
12.0%
Use 10–12% for equity mutual funds, 6–8% for debt, 7–9% for a balanced portfolio.
Expected Inflation Rate
6.0%
India's long-run CPI inflation has averaged 5–7%. Use 0% for goals with a fixed future cost.
Existing Savings Toward This Goal
₹0
Any amount already invested specifically for this goal. It earns returns and reduces the SIP you need.
Monthly SIP Required
₹0
Progress toward goal
0% funded
Goal (Today's Value)
₹0
Inflation-Adjusted Goal
₹0
Existing Savings (Future Value)
₹0
Remaining Gap
₹0
Lump Sum Alternative
₹0
Corpus Growth vs Goal
See how your corpus (existing savings + SIP) tracks against the inflation-adjusted target each year.
Corpus Growth Over Time
Build the Full Picture
Track all your goals alongside your complete net worth
The Net Worth Calculator shows your total assets, liabilities, SIP corpus, and projected future net worth in one view. Add your monthly surplus as a SIP here to see whether you're on track — or use the FIRE Calculator to find your retirement date.
How to Use This Goal Corpus Calculator — Step by Step
1
Enter your goal amount in today's money
How much does your goal cost right now? Enter the current price — not the future inflated cost. The calculator compounds inflation over your time horizon automatically.
2
Set your time horizon
How many years until you need the money? A child's college fund in 15 years, a home down payment in 5 years, a wedding in 3 years — each requires a different monthly commitment.
3
Enter expected return and inflation rates
Use 10–12% for equity mutual funds and 6% for inflation as a conservative baseline. The gap between return and inflation determines how hard your money works for you.
4
Add existing savings toward this goal
Already set aside some money? Enter it here. That amount compounds at your expected return and directly reduces the monthly SIP you need to start today.
5
Read your results and act
The results card shows the inflation-adjusted future goal, how much your existing savings grow to, the remaining gap, the monthly SIP required, and a lump sum alternative. The chart shows your corpus tracking against the target year by year.
Goal: ₹50L today | Time: 10 years | Return: 12% | Inflation: 6% | Existing: ₹5L
Inflation-Adjusted Goal (10 yr @ 6%)₹89,54,238
Existing ₹5L grows to (10 yr @ 12%)₹15,52,924
Remaining Gap₹74,01,314
Lump Sum Alternative Today₹23,83,000
Monthly SIP Required₹33,000 / month
How is the Required SIP Calculated?
The calculator uses three steps:
- Inflation-adjust the goal: Future Goal = Goal Today × (1 + Inflation)^Years
- Grow existing savings: Existing FV = Existing × (1 + Monthly Rate)^Months
- Solve for SIP: Using the annuity-due formula — Monthly SIP = Gap × r ÷ ((1 + r)^n − 1) ÷ (1 + r)
Where r = monthly return rate (annual rate ÷ 12 ÷ 100) and n = total months.
What is the Lump Sum Alternative?
The lump sum shows the single amount you would need to invest today (instead of monthly SIPs) to reach the same inflated goal. It is the present value of the remaining gap:
Lump Sum = Remaining Gap ÷ (1 + Monthly Rate)^Months
If you have a bonus or inheritance, compare this to the monthly SIP — the lump sum is usually much smaller but requires the capital upfront.
Why Plan for Inflation?
A goal that costs ₹50L today will cost ₹89.5L in 10 years at 6% inflation. Planning for the nominal (today's) amount leaves you ₹39.5L short. For goals like education, healthcare, and weddings — which often inflate faster than CPI — use a slightly higher rate (7–9%) to stay conservative.
Frequently Asked Questions
What inflation rate should I use?
India's long-run CPI averages 5–7%. For education and healthcare goals, 7–9% is more realistic. For a goal with a fixed future price (e.g., buying a specific property at an agreed amount), set inflation to 0%.
Should I count all my savings or only savings for this goal?
Only count savings specifically earmarked for this goal. Emergency funds, retirement corpus, and general investments serving other purposes should not be included — mixing them will understate the SIP you actually need.
What if I can't afford the required SIP right now?
Start with whatever you can afford and increase it annually (step-up SIP). Even a ₹5,000/month start that grows 10% per year covers far more ground than waiting until you can afford the full amount. Use the Net Worth Calculator to model a step-up SIP alongside your other finances.
Is my data saved anywhere?
No. All calculations happen entirely in your browser. Nothing is sent to any server.