Goal Planner

Start with your target amount and time horizon, then work backward using the reverse SIP formula: required monthly SIP = FV × r / [((1+r)^n − 1) × (1+r)]. Always inflate the goal amount to its future value first — a ₹20L goal today isn't ₹20L in 10 years.

For goals under 3 years, SIPs into equity carry meaningful volatility risk right when you need the money. A lump sum in debt funds, FDs, or short-duration instruments is generally safer for near-term goals; SIPs into equity suit goals 5+ years out where volatility has time to average out.

Costs for most goals — education, weddings, real estate — rise faster than general CPI inflation, often 8–10% for education specifically. Using a flat 6% inflation assumption across all goal types can leave you meaningfully short; adjust the rate per goal category where possible.

Longer horizons can absorb more equity exposure since there's time to recover from downturns — a common approach is 70–80% equity for 15-year goals, shifting toward 30–40% equity (rest in debt) as a 5-year goal approaches, to protect accumulated gains from a late market drop.

Yes, and it's usually more realistic than planning one at a time, since goals compete for the same monthly savings. Listing all goals with their amounts and timelines side by side helps you see whether your total required SIP is actually affordable, and where to prioritize or stagger goals.