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Goal SIP Calculator
Work backwards from a target: how much to invest each month, with the goal inflated to future rupees.
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Result
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Most goal planning fails at the first step — using today's price for something you will buy in fifteen years.
Inflating the target
A ₹25 lakh education today is closer to ₹60 lakh in fifteen years at 6% inflation, and education inflation has run well above the general rate. The calculator inflates the target first, then works out the instalment.
What you already have counts
Existing savings earmarked for this goal keep growing while you invest, so they reduce the monthly figure by more than their face value.
Matching the vehicle to the horizon
Under five years, equity is the wrong place for money you cannot postpone needing. Debt funds or deposits will not grow as fast, but they will be there on the date. Beyond ten years the position reverses — the risk is not volatility, it is inflation.
Frequently asked questions
Why does the calculator inflate my target?
Because you will pay a future price, not today's. A ₹25 lakh education today is closer to ₹60 lakh in fifteen years at 6% inflation, and education costs have risen faster than general inflation for two decades.
What return should I assume for a goal five years away?
Treat anything under five years as a debt goal and assume 6% to 7%. Equity can fall 30% in a year, and a goal with a fixed date cannot wait for a recovery.
What if I cannot afford the monthly figure?
Three levers: extend the horizon, reduce the target, or raise the instalment over time with a step-up rather than from day one. Raising the assumed return to make the number fit is the one option that solves nothing.
Should I keep each goal in a separate fund?
Separate folios per goal make progress visible and stop you raiding a long-term pot for a short-term need. It also lets you match each goal's asset mix to its horizon.