Plan your SIP, lumpsum or target corpus for any financial goal in India
Our Financial Goal Planner helps Indian investors plan for any life goal — retirement, child's education, home purchase, marriage, or vacation — by calculating the exact SIP, lumpsum or target amount needed.
SIP Goal Calculator
Enter your monthly SIP amount and see how much corpus you will accumulate by your goal date. Useful when you know how much you can invest monthly and want to check if it meets your goal.
Lumpsum Goal Calculator
Enter a one-time investment amount and see its future value. Useful when you have a bonus, inheritance, or windfall to invest for a specific goal.
Target Amount Calculator
Enter your target corpus and see how much monthly SIP or lumpsum you need to invest. This is the most common use case — working backwards from your goal.
Inflation Impact on Goals
At 6% inflation, Rs. 50 lakhs today will need to be Rs. 1.2 crores in 15 years to maintain the same purchasing power. Our calculator automatically inflates your goal amount so you don't fall short.
What is Step-Up SIP?
A Step-Up SIP increases your monthly investment by a fixed percentage every year (e.g., 10%). This matches your rising income and can significantly boost your final corpus without straining your current budget.
What return rate should I use for equity mutual funds?
For long-term equity mutual funds (5+ years), use 10-12% expected return. For debt funds, use 6-7%. For a balanced portfolio, 8-10% is reasonable. Always use conservative estimates.
How much should I save for retirement?
A common rule: you need 25-30x your annual expenses as retirement corpus. If your monthly expenses are Rs. 50,000, aim for Rs. 1.5-2 crores. Use our Target Amount mode to calculate the exact SIP needed.
Can I use this for tax-saving ELSS goals?
Yes. ELSS (Equity Linked Savings Scheme) funds offer tax deduction under Section 80C and have historically delivered 12-15% returns. Include the tax benefit when calculating your net investment.
Should I choose SIP or lumpsum?
SIP is better for regular income earners as it averages market volatility (rupee cost averaging). Lumpsum works if you have idle cash and markets are reasonably valued. Many investors use a combination of both.
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