Financial Goal Planner

Plan for your dreams. Calculate the monthly investment needed to achieve your financial goals.

Set Your Financial Goal

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1K 5 Cr
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1 Year 40 Years
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1% 30%

Your Investment Plan

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Monthly SIP Needed ₹0
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Total Amount Invested ₹0
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Wealth Gained ₹0

Your Goal Progression

Total Invested
Total Value

Data Definitions

Goal Amount

The total future value of the goal you wish to achieve. This is the final amount you need in your account.

Time Horizon

The number of years you have to save for your goal. A longer time horizon gives compounding more time to work its magic.

Expected Returns

The average annual return you anticipate from your investments. This is a crucial assumption that impacts your required monthly investment.

Monthly SIP

The calculated Systematic Investment Plan (SIP) amount you need to invest every month to reach your goal.

Advantages of Goal-Based Planning

✅ Clarity and Focus

Goal-based planning gives you a clear target and a roadmap, making your investment journey purposeful and focused.

✅ Financial Discipline

It encourages regular, disciplined investing through SIPs, which is key to wealth creation.

✅ Motivation

Seeing your investments grow towards a tangible goal, like a new car or a child's education, provides powerful motivation to stay on track.

Potential Disadvantages & Risks

❌ Market Volatility

Unexpected market downturns can affect your portfolio's growth, potentially delaying your goal or requiring a higher SIP.

❌ Inflation Risk

The actual cost of your goal might be higher than anticipated due to inflation, requiring you to adjust your plan over time.

❌ Overly Optimistic Returns

Relying on high, unrealistic returns can lead to a shortfall. It's important to use a conservative and realistic rate.