It models each of your financial goals as its own portfolio, simulates it across thousands of possible market paths, and shows the probability of reaching each goal — plus exactly what it would take to improve the odds.

Click + Add goal, then enter a name, the target amount (in today's rupees), the goal year, your monthly SIP and any existing savings. You can add several goals and plan them side by side.

Enter it in today's money. The planner automatically grows it by your assumed inflation, so the figure it shows "by [year]" is the future cost of that goal.

It switches how projected amounts are displayed — either in future (nominal) rupees, or discounted back to today's purchasing power so the numbers feel relatable.

It's a yearly percentage increase applied to your monthly SIP, reflecting that most people can invest a little more each year as their income grows. A higher step-up improves your odds without a large upfront jump.

It's the probability level you want to plan for. At 75% confidence, the planner solves for the SIP — or combination of changes — that reaches your goal in at least 75% of the simulated scenarios.

Each goal uses a risk profile — Aggressive, Balanced, Conservative or Safe — each with its own expected return and volatility. Auto picks one based on how far away the goal is: longer horizons get more aggressive profiles.

Yes. Inflation, SIP step-up and target confidence are all adjustable with the sliders, and you can override the risk profile on any individual goal. Everything re-simulates instantly.

Rather than assuming a single fixed return, it generates many random but realistic market paths (1,000 by default) and runs your investments through each one. The spread of results becomes the range of outcomes and their probabilities.

Markets are uncertain, and a single "expected return" hides that risk. A distribution shows how good or bad things could realistically get — which is what the success probability is actually based on.

1,000 market paths per goal by default, and this is configurable in the section settings. More paths produce smoother, more stable probabilities at the cost of a little more processing on lower-end phones.

Each risk profile carries an expected annual return and volatility — for example Balanced is roughly 11% return with about 13% volatility. Monthly returns are drawn randomly around those figures to create each path.

Your target grows every year by the assumed inflation rate, so you are always aiming at the future cost of the goal rather than today's price. You can still view results in today's money using the toggle.

The simulation draws fresh random paths, so tiny run-to-run differences are normal. Because it averages over a thousand scenarios, the probabilities stay stable and meaningful.

It's the share of simulated paths in which your projected corpus meets or exceeds the inflation-adjusted target by the goal year. 70% means roughly 7 in 10 simulated markets got you there.

On track (green) means your success probability meets your target confidence. At risk (amber) is partway there. Short (red) means it's well below target and needs attention.

They're percentile outcomes: Tough is the 10th percentile (a poor-market result), Likely is the median (the middle outcome), and Strong is the 90th percentile (a strong-market result).

The shaded band is the 10th–90th percentile range of outcomes over time, the solid line is the median path, the dashed line is what you've actually invested, and the level line marks your target.

It's the monthly SIP that would lift this goal to your chosen confidence level, holding the other inputs fixed. Tap Apply on the goal to adopt that figure instantly.

When a single change isn't realistic, the planner proposes a blend — a comfortable step-up, a SIP increase and, if needed, a one-time lump sum — that together reach your target confidence. You can tune the comfort caps in the settings.

A per-goal view: target and year, success probability, planned versus required SIP, the monthly gap, and the suggested way to close it — with totals for planned SIP, required SIP and overall gap across all your goals.

No. The planner is an illustrative, educational tool. The probabilities are of the simulation under the stated assumptions — not a forecast, recommendation or guarantee. Actual results will differ.

It uses simplified, constant assumptions for return, volatility and inflation. It does not model taxes, fees, fund selection, or changes in your personal circumstances, and real markets can behave outside the simulated range.

Use it to frame your thinking and set direction, then consult a qualified financial advisor for decisions. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing.