Plan several goals at once. Each is priced in the year it falls due, funded from what you have already earmarked plus a monthly contribution — and when the total exceeds what you can invest, the planner allocates by priority and shows exactly which goal falls short.
Step 1
Enter what you can invest monthly
The total available across every goal, after expenses and existing EMIs. Leave it at zero to see the raw requirement.
Step 2
Add each goal in today's money
Price it as though you were buying it now. The planner inflates it to the year you need it.
Step 3
Set a priority for each
When the money does not stretch, essential goals are funded first and aspirational ones last.
Monthly investment needed
₹86,187/mo
Your ₹1,00,000 covers every goal, with ₹13,813 a month to spare.
Nearest goal
World trip
Due in 4 years, by which time it will cost ₹10,09,982.
Every goal is funded
On track
The allocation you have entered reaches every target on the assumed returns.
Unallocated each month
₹13,813/mo
Every goal is already funded, so this is free to accelerate a timeline, build a larger buffer or go towards retirement.
Three steps per goal: inflate the target to the year it falls due, grow what is already earmarked, then size a monthly contribution that closes exactly the difference.
Future cost = Cost today × (1 + inflation)^years
Savings grow to = Earmarked × (1 + i)ⁿ
Gap = Future cost − Savings grow to
Monthly needed = Gap ÷ [((1 + i)ⁿ − 1) ÷ i × (1 + i)]Price in current money
What the goal would cost if you needed it now.
Cost inflation for that goal
Education and healthcare typically 8% to 10%; a car or a holiday closer to 5% to 6%.
Monthly return rate
The expected annual return divided by 12 and by 100. Use lower rates for goals under five years away.
Months available
Years to the goal, times twelve.
Required contribution
The annuity-due future value inverted. Exact rather than iterative, because future value is linear in the contribution.
The interesting output is not any single goal but the total. A plan that quietly needs 140% of your income is worse than one that says which goal has to wait — which is why a shortfall is allocated by priority rather than spread thinly across everything.
Answers about the goal planner.
Continue exploring adjacent tools in this topic.
Background reading on the ideas behind these numbers.
This tool is provided for educational purposes only. Results are estimates based on the values you enter and do not constitute financial advice.