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Financial Goal Planner

Financial Goal Planning
Calculator

Set your financial goal, input your existing investment, expected inflation, return rate, and time horizon — see the monthly SIP needed and your goal's future value.

₹
₹
%
%
yr
Investment Value Over Time
₹7,920
Monthly Investment Needed
₹27,59,032
Future Value of Goal
₹0
Future Value of Existing Investment

Goal Planner Formula

Three formulas work together — adjusting your goal for inflation, growing your existing investment, and calculating the monthly SIP needed to bridge the gap.

Formula 1 — Inflation-Adjusted Future Value of Goal
FVGoal = Goal × (1 + i)n
Formula 2 — Future Value of Existing Investment
FVExist = Existing × (1 + R)n
Formula 3 — Monthly SIP Required
SIP = (FVGoal − FVExist) × r / { [(1 + r)N − 1] × (1 + r) }
What Each Variable Means
i
Inflation Rate
Expected annual inflation — adjusts goal to future prices
R
Expected Return
Annual return on your existing lump-sum investment
n
Years
Time horizon in years for achieving the financial goal
r
Monthly Rate
Annual return ÷ 12 — used in the monthly SIP formula
N
Total Months
Years × 12 — total number of monthly SIP instalments
SIP
Monthly Investment
The monthly amount needed to reach the inflation-adjusted goal
Worked Example

Planning to buy a house worth ₹50 lakh today, in 10 years. You already have ₹5 lakh invested:

  • Goal = ₹50,00,000  ·  Existing = ₹5,00,000
  • Inflation = 7% p.a.  ·  Return = 10% p.a.
  • n = 10 years  ·  N = 120 months  ·  r = 0.00833
  • FVGoal = 50,00,000 × (1.07)10 = ₹98,35,762
  • FVExist = 5,00,000 × (1.10)10 = ₹12,96,871
  • Gap = 98,35,762 − 12,96,871 = ₹85,38,891
  • Monthly SIP = 85,38,891 × 0.00833 / [(1.00833)120 − 1] × 1.00833
≈ ₹43,260/month

Monthly SIP needed to reach an inflation-adjusted goal of ₹98.4L in 10 years
After accounting for ₹5L existing investment growing to ₹12.97L

Plan Your Financial Goals with Veedhi
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