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Target Your Future

Goal Planner: how soon can you buy it?

Tell us your income and target. We calculate exactly how fast you can buy your asset (accounting for inflation) by investing a portion of your salary.

Goal Parameters

₹
%
₹

Investment Allocation

How much of your income will you invest?
20%
1%50%100%
Starting Monthly SIP: ₹40,000
Enable Step-Up SIP (Decreases Tenure)
Increase your SIP amount every year as your income grows to reach your goal much faster.
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Increase your allocation by just 5% to reach your goal sooner.

Yearly Progress Trajectory

Tracking against projected ₹0 target
(Appreciated from ₹0 today)
Active Strategy
Optimal Portfolio
Target
Year Monthly SIP Accumulated Corpus Goal Target Value

Mathematical simulation iterates month-by-month. Asset Future Value adjusts monthly based on annual appreciation. The "Optimal" portfolio is a blended theoretical rate. Actual market returns fluctuate. Maximum simulated tenure is 100 years.

Projected goal cost

How the goal planner works

Tell the planner what you want to buy, what it costs today, your monthly income and what share of it you can invest. Because prices usually rise while you save, the target price grows at an appreciation rate you choose, and the planner finds the year your investments catch up with it.

Choose an investment profile to see how a more cautious or a more aggressive approach changes the timeline. The yearly chart shows your savings climbing toward a moving target, so you can see the wait shrink as you invest more.

The target in any year is simply today's price grown by the expected price rise g. Your goal is reached in the first year your corpus is at least that amount.

Goal price after n years = Price today × (1 + g)n

Frequently asked questions

How is the time to reach my goal calculated?

The planner invests the share of your income you choose every month, grows it at the expected return, and compares the corpus with the rising goal price year by year. The first year the corpus covers the price is your answer.

Why does the target price keep rising?

Homes, cars and weddings usually cost more every year. If you ignore that, you will think you are ready earlier than you really are. Set the appreciation rate to the price rise you expect for that specific goal.

How much of my income should I invest?

There is no single right number. A common starting rule of thumb is to save around 20% of take-home pay, but it depends on your expenses and responsibilities. Try several percentages and see how much each extra 5% shortens the wait.

Can I plan more than one goal?

Run the planner once for each goal and compare the results. The link button saves your settings in a web address, so you can come back to any plan later.