Investing
Goal-Based Investment Planner
House in 7 years? Daughter's MBA in 12? Reverse-engineer the exact monthly SIP that gets you to the inflation-adjusted target.
Your numbers
₹
years
% p.a.
% p.a.
₹
Your result
₹35,866
A ₹50 lakh goal in 10 years inflated at 6% becomes ₹89.54 lakh when you actually need it. Your existing ₹2 lakh grows to ₹6.21 lakh in the same window. The shortfall (₹83.33 lakh) needs a monthly SIP of ₹35,866 at 12% returns.
- Target in today's rupees
- ₹50 lakh
- Target inflated to year 10
- ₹89.54 lakh
- Existing savings grown
- ₹6.21 lakh
- Shortfall to fund via SIP
- ₹83.33 lakh
- Required monthly SIP
- ₹35,866
paisaexpert.com
Recommended next
Build the SIP plan with annual step-up
Open the SIP Calculator with ₹35,866/month and add a 10% annual step-up to give yourself slack in early years.
Open it
Choosing the right asset class by time horizon
- 0-3 years: liquid funds, FDs, RDs. Capital preservation matters more than return.
- 3-5 years: hybrid funds, balanced advantage funds. 50-60% equity max.
- 5-10 years: 70-80% equity, 20-30% debt. Index funds or large-cap funds.
- 10+ years: 80-100% equity. Even an aggressive equity portfolio has time to recover from any cycle.
Match your expected-return input above to the asset mix that fits your horizon. A "12 percent" assumption is realistic for a 10+ year horizon. For 3 years, use 7-8 percent.
Inflation rates by goal type
- General CPI: 5-6 percent. India's last decade average.
- School education: 8-10 percent. Indian private schools have outpaced CPI consistently.
- Higher education (Indian): 8-10 percent.
- Higher education (abroad): 8 percent base + currency depreciation (5-6 percent INR vs USD historically).
- Healthcare: 10-12 percent. India's biggest hidden inflation category.
- Real estate: 5-7 percent in tier-1, slower in tier-2.
- Wedding: 6-8 percent, varies wildly by family.