Savings Goal Calculator
Most planning fails at the first step: the goal is set in today's money and funded as if prices never move. A car that costs ₹12 lakh today will not cost ₹12 lakh in seven years. This calculator inflates the target to what it will actually cost on the day, credits whatever you have already saved, and solves for the monthly amount that closes the gap.
Free to use · no sign-upEverything is worked out in your browserBuilt by Naveen Kumar Pandey, ARN-276664
Your numbers
Change anything below — the result updates as you type. Nothing you enter leaves your browser.
Today's price. The calculator works out what it will cost by the time you get there.
Only money genuinely earmarked for this goal. Leave it at zero if you are starting from scratch.
6% is a fair general figure for India. School and college fees and private medical care have historically run higher.
Invest every month
₹12,742
for 10 years, starting now
- What it will cost in 10 years
- ₹35.82 L
- Your savings grow to
- ₹6.21 L
- Still to be funded
- ₹29.61 L
- Or invest today, in one go
- ₹9.53 L
Note what inflation does here: a goal costing ₹20,00,000 today will cost about ₹35,81,695 in 10 years. Planning against today's price is the most common way a goal quietly falls short.
One thing this calculator cannot decide for you: where the money should sit. A goal three years away has no business being in equity, however good the expected return looks. That part is worth a conversation.
What this calculator assumes
- The cost of the goal rises every year at the inflation rate you enter.
- Both the new monthly investment and your existing savings grow at the return you enter — in practice you might hold them differently.
- The instalment is invested at the start of each month and stays the same throughout.
- No charges or taxes are deducted.
Please read this
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. The rate you enter here is an assumption you have chosen, not a return we offer or expect — real returns vary year to year and can be negative. Past performance does not guarantee future results.
The figures shown are an illustration produced from the numbers you typed in. They are not a quote, a guarantee, an offer or personal financial advice, and nothing here takes account of your own circumstances. Read the full disclaimer before acting on any of it.
Questions people ask us about this
What inflation rate should I use?
6% is a reasonable general figure for India. Some costs run much hotter — school and college fees and private medical treatment have historically risen faster — so for an education or healthcare goal, model it higher and see whether the plan still holds.
The monthly figure is more than I can afford. What now?
Three levers, and you can pull any of them: give the goal more time, reduce the target, or step the investment up each year as your income rises rather than starting at the full amount. The step-up SIP calculator shows what the third one does.
Should a short goal and a long goal be invested the same way?
No, and this is the part a calculator cannot decide for you. Money needed within three years has no business being in equity, because a bad year arriving at the wrong moment cannot be waited out. Longer goals can take more risk. That choice is what a conversation with us is for.
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Open calculatorA number is not a plan
This tool does arithmetic. It does not know your income, your other commitments, how you would react to a bad year, or what tax you pay. Send us the figure you arrived at and we will tell you honestly whether the plan behind it holds up.
Ready when you are
Want us to run the numbers with you?
Bring your own figures and we will work through them with you — including what could go wrong.