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Goal calculator

Name the goal. We will tell you the monthly number.

Pick a goal, apply inflation to what it costs today, subtract what you have already saved, and the calculator returns the monthly SIP that closes the gap.

Reach your first ₹1 crore

No inflation applied, this is a nominal number you are chasing. Equity-led, and the step-up matters more than the rate.

₹1.00 Cr
12 yrs
₹5.00 L
0%

Monthly SIP needed

₹24,987

at 12% expected return, stepped up 10% a year is easier

Cost at goal date₹1.00 Cr
Your savings grow to₹19.48 L
Gap to fund₹80.52 L
You will invest₹35.98 L
Set this goal up with an advisor

Why inflation changes the answer

A goal priced at today's cost is not what you will pay. The calculator inflates the target to the goal date, grows what you have already saved at the same expected return, and only then sizes the monthly instalment against the remaining gap.

Short horizons are the unforgiving ones. Under about four years, equity has not had time to be dependable, so the allocation leans to hybrid and debt and the required monthly amount rises. That is the arithmetic being honest with you, not a reason to reach for risk.