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Map your financial life goals to real numbers. Know exactly how much to invest every month.
A pre-built CSV template with SIP formulas for each goal. Open in Excel, Google Sheets, or Numbers — just fill in your numbers.
Download Template (CSV)CSV format — works with Excel, Google Sheets, and Apple Numbers. No sign-in required.
Write down every financial goal — retirement, home, education, travel, car. Don't filter. Just list.
Estimate the future value of each goal in today's money. Use 6–7% inflation to project forward.
When do you need this money? Be specific — 5 years, 10 years, at age 60.
Use the template to reverse-engineer the monthly SIP needed. Assume 12% CAGR for equity, 7% for debt.
Here's a sample for a 35-year-old professional with ₹2L/month income. Assumes 12% CAGR (equity SIPs).
| Goal | Timeline | Target Amount | Monthly SIP |
|---|---|---|---|
| Retirement Corpus | 20 years | ₹5 Cr | ₹18,000 |
| Child's Education | 12 years | ₹50 L | ₹12,000 |
| Home Down Payment | 5 years | ₹20 L | ₹26,000 |
| Emergency Fund | 1 year | ₹6 L | ₹48,000 |
* Illustrative only. Actual returns vary. Consult a financial advisor for personalised advice.
Goals before investments — never start an SIP without knowing which goal it serves.
Separate buckets for each goal — don't mix retirement money with your child's education fund.
Review annually — goals change, salaries change, timelines shift. Revisit every year.
Inflation is the enemy — always use real (inflation-adjusted) return assumptions.
Start now, adjust later — a rough plan started today beats a perfect plan delayed by 2 years.
Once you have your goals mapped, use the Asset Allocation Guide to decide where to invest.
In short
This calculator turns each money goal into a monthly number. For every goal you enter — its target amount and how many years away it is — it computes the fixed monthly SIP needed at your assumed return, then totals the SIPs across all goals so you can see the full monthly commitment.
No. Short-horizon goals belong in safer assets with lower expected returns. Run the near-term goals again at a lower rate to get a realistic monthly number.
Yes, for distant goals. ₹25 lakh for education in 15 years is not ₹25 lakh then. Use the inflation calculator first, then bring that future number here.
That is the useful output. The options are to extend timelines, reduce targets, or prioritise goals. The calculator exists to surface that conflict early rather than at the deadline.
Basis for the “subject to market risks” framing; returns are assumptions, not assurances.
The same textbook annuity formula the SIP calculator uses, applied per goal.
This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.
This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.