Goal planner
The SIP tab read backwards: name what you are saving for, when you need it and what it costs in today's money, and the planner works back to the investment each goal takes — inflation, step-up, money already put aside and planned lumpsums all counted — then adds them into one number you can act on.
Goals
3 goals onInvestment assumptions
Planned lumpsums
1 scheduledA lumpsum is split across the goals pro-rata, by the present value of what each still needs — so the goal with the biggest gap takes the biggest slice.
What I can invest
Goal by goal
Bar shows what is already savedEvery pot, stacked
Each band is one goal's pot. A band drops out at the dashed line on its goal date — that is the money leaving to pay for the thing it was saved for.
Year by year
Scroll for the full plan| Yr | Invested | Value across goals | Goals reached |
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Contributions are taken at the start of each period, the convention the SIP tab uses — so the required SIP shown here, typed into the SIP tab over the same term and return, lands on the same corpus. A step-up lowers the starting amount because the later years carry more of the load: the plan asks less of you now and more of the salary you expect to be on. Targets are entered in today's rupees and inflated at each goal's own rate, which is why the figure on the day is the larger one; a goal a lumpsum share overshoots keeps the surplus rather than passing it to another goal. One constant return, compounded monthly, stands in for a market that returns something different every year. An illustration, not advice.