Goal Planner

Find required SIP and lump sum investments needed to hit a target money goal.

Parameters
₹
Yrs
%
Calculated Results
Inflation-Adjusted Target -
Required Monthly SIP -
Required Lump Sum -
Compounding
Inflation
%
Visual Projection
Invested
Corpus
Real Value
Yearly Breakdowns
YearInvestedGainsCorpus
1      
2      
3      
4      
5      
6      
7      
8      

Financial Goal Planning

Estimate the target amount needed to satisfy a goal in the future, adjusting for inflation, and view the required savings rate to achieve it.

Formula & Mathematical Approach

Goal planner calculates the SIP or Lump sum required to meet a specific future financial target.

Required Lump Sum=Future Value(1+Return Rate100)Years\text{Required Lump Sum} = \frac{\text{Future Value}}{\left(1 + \frac{\text{Return Rate}}{100}\right)^{\text{Years}}}
Required Monthly SIP=Future Value[(1+i)Months−1i]×(1+i)\text{Required Monthly SIP} = \frac{\text{Future Value}}{\left[ \frac{(1 + i)^{\text{Months}} - 1}{i} \right] \times (1 + i)}
Show Plain Text / Excel Formula 
Required SIP = Future Value / (SIP Compounding Factor)
Required Lump Sum = Future Value / (1 + Return Rate / 100) ^ Years

Key Assumptions

  • Returns compound monthly for SIP and annually for Lump Sum.
  • Consistent monthly savings are maintained.
  • Target goal is in nominal terms.