What inflation should I use for different goals?

General: 6%. Education: 8–10% (India's education inflation is notoriously high). Healthcare: 8%. Lifestyle expenses: 6%. Real estate: 5–7% nationally. The calculator defaults to 6% — adjust up for education goals.

What if I can't afford the suggested SIP?

Three levers: (1) extend the horizon — going from 10 to 15 years roughly halves the required SIP. (2) Start with current savings — lumping in even ₹1L early dramatically cuts monthly needs. (3) Accept a lower target. Don't accept a higher return — that's wishful thinking.

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Goal-based SIP Calculator — monthly investment for any target

Calculate the monthly SIP needed to reach any financial goal — house, car, child education, wedding. Inflation-adjusted.

Inputs

Goal amount (today's ₹)₹50.00 L

₹1.00 L₹10.00 Cr

Current savings toward goal₹1.00 L

₹0₹10.00 Cr

Years to goal10 yrs

140

Expected return (p.a.)12%

130

Inflation rate (p.a.)6%

015

Result

Monthly SIP needed

₹37,203

Inflation-adjusted target

₹89.54 L

Your current savings will grow to

₹3.11 L

Target (today's ₹)

₹50.00 L

Gap to cover

₹86.44 L

About the Goal Calculator

Goal-based planning is the right way to think about money. Instead of 'how much should I save?', ask: 'what do I want, when, and what will it cost then?'

This calculator answers: given a target (in today's rupees), a timeline, and expected return, what monthly SIP gets you there? It factors inflation so the number is realistic.

Examples for a ₹50L goal in 10 years at 12% return, 6% inflation: starting from zero needs ₹44,000/month. With ₹5L already saved, drops to ₹37,700/month. Time is your biggest lever.

Goal — Frequently asked questions

₹50 lakh today won't buy the same house in 10 years. We inflate your target to its future cost, then reverse-engineer the monthly SIP needed. Skipping inflation undershoots the required SIP by 30–50%.

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