Calculator
Goal Calculator
Calculate the investment required for any financial goal - retirement, child education, home purchase, vacation, wealth creation, or custom goals.
Multi-Goal Support
Calculate for retirement, education, home, vacation, and custom goals
Inflation-Adjusted Planning
Account for inflation to get realistic future cost estimates
SIP & Lumpsum Options
Get both monthly SIP and one-time lumpsum investment recommendations
Goal Calculator
Calculate Your Financial Goal
Select your goal type and enter details to calculate the required investment
Results
Goal Analysis
Your personalized goal planning insights
Future Cost (Goal Year)
₹95,69,179
Inflation-adjusted cost in 2040
Future Value of Current Savings
₹0
At 12% annual return
Gap to Bridge
₹95,69,179
Additional amount needed
Monthly SIP Required
₹19,154
For 15 years
Lumpsum Required Today
₹17,48,253
One-time investment needed today
Time to Goal
15 years
Target year: 2040
Goal Progress
Get Your Personalized Goal Report – Free
Download a detailed goal planning report with actionable insights
Turn this calculation into a real investment plan
Share your goal details with our expert team to get specific mutual fund, SIP, and protection recommendations tailored to you.
What is a Goal Calculator?
A Goal Calculator is a comprehensive financial planning tool that helps you determine how much money you need to invest to achieve your specific life goals. It takes into account various factors such as your current age, goal timeline, current cost, expected inflation, existing savings, and expected returns to provide you with a clear picture of your investment requirements.
Our goal calculator helps you understand the gap between your existing savings and the corpus you'll need at your goal year. It calculates inflation-adjusted costs, projects the future value of your current savings, and determines both the monthly SIP amount and lumpsum investment required to bridge any shortfall. This enables you to create a realistic and achievable plan for any financial goal.
How Can a Goal Calculator Help You?
Goal Clarity
Get a clear, quantified target for your financial goal with specific timeline and corpus requirements, eliminating ambiguity in your investment journey.
Inflation-Aware Planning
Account for inflation's impact on your future expenses, ensuring your goal corpus maintains purchasing power even as costs rise over time.
Gap Identification
Clearly identify the difference between what you have saved and what you'll need, helping you understand the scale of your planning challenge.
Investment Options
Get both monthly SIP and lumpsum investment recommendations, allowing you to choose the approach that fits your financial situation.
Risk-Adjusted Returns
Adjust your risk level (conservative, moderate, aggressive) to see how it impacts your expected returns and required investments.
Early Planning Benefits
Understand the power of starting early - see how beginning your goal planning earlier can significantly reduce the monthly SIP required.
Frequently Asked Questions
Inflation rates vary by goal type. For retirement planning, use 6-7% (general inflation). For child education, use 10-12% (education inflation is higher). For home purchase, use 6-8%. For vacations, use 7-8%. Our calculator provides default inflation rates for each goal type, but you can adjust them based on your expectations.
Conservative portfolios (more debt) typically yield 7-9% annually. Moderate portfolios (balanced) yield 10-12%. Aggressive portfolios (equity-heavy) can yield 12-15% over the long term. These are based on historical performance, though past performance doesn't guarantee future results. Adjust based on your risk tolerance and time horizon.
SIP (Systematic Investment Plan) is generally recommended for most goals as it provides rupee-cost averaging, reduces timing risk, and is easier to manage monthly. Lumpsum is better if you have a large amount available and the goal is far away. Many investors use a combination - lumpsum for initial investment and SIP for regular contributions.
If the calculated monthly SIP seems high, consider: extending your goal timeline, reducing the goal amount, starting with a smaller SIP and increasing it annually as your income grows, or exploring additional income sources. It's better to start with what you can afford and increase gradually.
Review your goals annually or when there are significant life changes (job change, salary increase, new goals, etc.). During reviews, assess progress, rebalance portfolios if needed, and adjust strategies based on changing circumstances. Regular reviews ensure your investments stay aligned with your evolving goals.
How HRP Wealth helps you convert goals into real investments
1. Prioritise your goals
We understand your life stage, dependants, and cashflows to prioritise goals like retirement, education, home, and protection.
2. Map goals to products
We map each goal to suitable mutual funds, SIPs, term insurance and other products, aligned with your risk profile.
3. Implement via SIPs & lumpsum
We help you set up the right SIPs and deploy any lumpsum amounts systematically through our partnered platforms.
4. Review & rebalance yearly
We review all goals annually, rebalancing and adjusting investments as your income, markets, and priorities change.
Summary
A Goal Calculator is a powerful starting point for goal-based investing, helping you quantify exactly how much you need and by when. It converts vague dreams into clear, time-bound and measurable financial targets.
By using our Goal Calculator, you can experiment with different timelines, inflation assumptions, and risk levels to see how they impact your required SIP or lumpsum. This helps you choose a realistic plan that fits your current cashflows while still aiming for your desired outcomes.
The next step is disciplined implementation and regular reviews. Align each goal with appropriate mutual funds and protection, invest consistently, and revisit the plan at least once a year with our expert team.
