Goal Planning Tool
Estimate Your Financial Goal Cost
Planning your future starts with clarity. This tool helps you estimate how much your financial goal will cost when you actually need the money—adjusted for inflation and lifestyle improvements.
- Enter today's estimated cost of the goal (e.g., ₹15,00,000).
- Set the number of years until you plan to achieve the goal.
- Choose an inflation rate based on your expectations.
- Select lifestyle adjustment to reflect quality of life improvements.
- Click "Estimate Future Cost" to view your projected goal value.
- You can also try predefined goal scenarios using the buttons above.
Quick Examples:
Plan Your Investment to Reach the Goal
Enter your expected return, current investment and investment horizon. We'll show how much you need to invest monthly or as a lumpsum today.
Goal Planning FAQ
What is the Goal Cost Estimator?
It calculates how much your goal (e.g. education, home, wedding) will cost in the future by adjusting for inflation and lifestyle upgrades.
How does the estimator factor in inflation?
It compounds the current cost using your chosen inflation rate over the number of years to give the estimated future cost.
What does the Goal Investment Calculator do?
It tells you how much to invest monthly (SIP) or as a one-time Lumpsum to meet your future goal amount based on your expected return and goal timeline.
Why is the SIP or Lumpsum showing zero?
This usually happens if the time horizon is very long and/or expected returns are too high. Try reducing the return or shortening the duration.
How do I account for my existing investments?
You can enter your current investment and its expected return. The calculator subtracts its future value from your goal to show the remaining amount to invest.
What is a realistic return to assume?
For long-term equity-based goals, 10–12% is a reasonable assumption. Use lower numbers if you're investing more conservatively.
What if I have multiple goals?
You can run the calculator separately for each goal and sum up the required SIPs or Lumpsums to plan your overall investment strategy.
Can I use these tools for both personal and family goals?
Yes, you can use the Goal Estimator and Calculator for yourself and your family members. Just run the inputs for each person's goal separately.
Where can I learn more about how investing behavior affects goal planning?
We have a dedicated Investing & Behavior blog that explores common traps and how to overcome them.
How can I build better investing habits?
Explore our Behavioral Investing Toolkit and maintain your Investment Journal to stay consistent with your plan.