Goal-Based Investment Planner
What a goal will cost on its date, and the SIP or lump sum that gets you there
Monthly SIP Needed
₹15,155
- Goal Will Cost
- ₹13,38,226
- Or a Lump Sum Today
- ₹7,09,345
₹10,00,000 today becomes ₹13,38,226 in 5 years at 6.0% inflation.
How it adds up
- Cost today
- ₹10,00,000
- Cost on the goal date
- ₹13,38,226
- Savings, grown to the goal date
- ₹88,117
- Shortfall
- ₹12,50,108
- SIP instalments in total
- ₹9,09,320
- Lump sum route
- ₹7,09,345
- Monthly SIP needed
- ₹15,155
Goal on its date, by source
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How this is calculated
Formula
SIP = shortfall ÷ ([((1 + i)ⁿ − 1) ÷ i] × (1 + i))
- shortfall
- = inflated goal − savings grown to the goal date
- i
- = monthly return = annual return ÷ 12 ÷ 100
- n
- = months to the goal
With your numbers
- 1Inflate the goalcost today × (1 + inflation)^years₹10,00,000 × (1 + 6.0%)^5 = ₹13,38,226
- 2Grow what is savedsavings × (1 + return)^years₹50,000 × (1 + 12.0%)^5 = ₹88,117
- 3Shortfallinflated goal − grown savings, not below zero₹13,38,226 − ₹88,117 → ₹12,50,108
- 4SIP that fills itshortfall ÷ ([((1 + i)ⁿ − 1) ÷ i] × (1 + i))n = 60 → ₹15,155 a month
- The SIP is level for the whole period and paid at the start of each month — the same convention as the SIP calculator, so the figures carry across unchanged.
- The lump-sum route invests the shortfall’s present value today at the same return.
- Returns are your assumption. For a goal a few years away, a lower, steadier return is usually the more honest one to plan with.
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