Multi-Goal Planner
Multi-Goal Planner
Plan and prioritise multiple financial goals with our free Multi-Goal Planner Tool. Enter your monthly budget, add your goals, and see how close you are to funding them.
Goals
Plan Summary
| Goal | Future Cost (₹) | SIP Required (₹/mo) | Lumpsum Today (₹) | Allocated SIP (₹/mo) | Funding | Step-Up Suggestion (p.a.) |
|---|
SIP Split by Goal (Monthly)
Funding Timeline (Projected Corpus vs Target)
Frequently Asked Questions
What is a multi goal investment planner?
A multi goal planner helps you prioritise and fund several financial goals at once with a single monthly SIP budget. It estimates future cost, SIP required, and the best allocation across goals.
How is this different from regular goal calculators?
Most tools handle one goal at a time. Wealth North’s planner models multiple goals in parallel, supports Equal, Priority, Time-to-Goal, Hybrid, and Custom percent allocation, and redistributes any surplus.
What inputs do I provide for each goal?
For best accuracy, add per-goal assumptions: Present Cost (₹) and Inflation (%) → computes Future Cost Years to goal (time horizon) Expected Return (%) for investments Priority (High/Medium/Low) Existing Corpus (₹) already saved for that goal Custom % (only if you choose the Custom strategy)
How are Future Cost, SIP, and Lumpsum calculated?
Future Cost is calculated as Present Cost × (1 + inflation)years, adjusted for any existing corpus. Required SIP uses monthly compounding at your expected return. A “Lumpsum Today” value is also shown if you prefer a one-time investment.
How does the allocation engine split my monthly SIP?
The planner supports five strategies: Equal – Same share for each goal. Priority-based – Weights by priority (High=3, Medium=2, Low=1). Time-to-Goal – Nearer goals get a higher weight (≈ 1 / years). Hybrid (default) – 60% priority + 40% time sensitivity. Custom % – You set the exact split; make sure it totals 100%.
What happens If a goal is fully funded at the allocated SIP?
If a goal is fully funded at the allocated SIP, any surplus is automatically redistributed to the remaining goals that need it.
Which allocation strategy should I pick?
Hybrid balances urgency and importance by combining priority and time to goal. Equal treats all goals the same. Priority funds High before Medium or Low. Time-to-Goal accelerates near-term deadlines. Custom lets you set exact percentages.
How do you estimate future cost and SIP?
Future cost grows by the chosen inflation rate till the goal year. SIP is computed using monthly compounding on the expected return and goal horizon. We also show the one time amount needed today.
Can I use different inflation and return assumptions per goal?
Yes. Education, healthcare, and housing can have different inflation. You may also use goal specific expected returns based on the investment mix you intend to use.
What if my budget is not enough to fully fund all goals?
You will see funding percentages by goal. Tweak priorities, horizons, or assumptions. You can also step up SIP annually so contributions grow with income.
When Step-up SIPs is suggested?
Whenever a goal is under-funded at your current budget. A 5–30% annual step-up is suggested, this keeps you on track as income grows.
Does the planner consider existing corpus and EMIs?
Yes. Add existing corpus under each goal. If EMIs reduce capacity, lower the monthly budget accordingly to see realistic funding levels.
Is this goal based investing calculator suitable for India?
Yes. It supports Indian number formatting, typical inflation assumptions, and SIP style investing common in India.
Can I compare SIP versus lumpsum planning?
Each goal shows both the SIP required and the lumpsum today so you can choose what is feasible.
What do the funding chips and table show?
Each goal shows a colored chip with its funding level (Green ≥100%, Amber ≥70%, Red <70%). The table summarizes Future Cost, SIP Required, Lumpsum Today, Allocated SIP, and Funding % per goal, plus totals at the bottom.
How do charts help me decide?
The stacked bar shows where your monthly SIP goes by goal. The timeline shows projected corpus growth per goal and when it reaches the target.
Is my planning data private?
Inputs are retained in your browser for convenience. Refreshing resets to defaults.
Multi goal SIP calculator vs separate calculators: which is better?
A multi goal SIP calculator optimises a single budget across all goals and highlights trade offs. Separate calculators cannot show funding conflicts or automatic rebalancing.
Can I prioritise education over house while still saving for retirement?
Yes. Set education to High priority and use Hybrid or Priority mode. The engine will allocate more to education while keeping retirement and house on track as per the remaining budget.
What inflation should I use for education and healthcare goals?
Many investors use higher inflation for education and healthcare than general inflation. Pick numbers you are comfortable with.
How often should I review my goal plan?
A quarterly or half yearly review is common. Update budgets, priorities, and assumptions when life events occur or income changes.
Plan Your Goals, All in One Place
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