Goal Planner Calculator

The target amount you want to achieve in today's value (e.g., ₹10,00,000 for a house down payment, ₹50,00,000 for retirement corpus). This is the amount you need today, and the calculator will adjust it for inflation over your time period.

The amount you already have saved towards this goal. This will be invested and will grow over time. If you haven't started saving yet, enter 0. The calculator will show how much your current savings will be worth at the goal date.

The number of years you have to achieve your financial goal. Longer time periods allow for smaller monthly investments due to compounding. Short-term goals (1-3 years) require larger monthly investments, while long-term goals (10+ years) benefit from compounding.

The expected annual rate of return on your investments (in percentage). Equity mutual funds historically return 10-15% p.a., hybrid funds return 8-12% p.a., and debt funds return 6-8% p.a. over long periods. Higher returns reduce monthly investment needed but come with higher risk.

The expected annual inflation rate (in percentage). Inflation reduces purchasing power over time. In India, inflation typically ranges from 4-7% annually. The calculator adjusts your goal amount for inflation to show what you'll actually need in future value terms. Higher inflation means you need to save more.