Tell us about your goal and what you've already set aside. We'll calculate exactly how much you need to invest monthly to get there — and flag it clearly if your current plan falls short.
Version 1.10.12 · Last updated: 31 Oct 2026
Higher Education Goal Plan
Goal Basics
Lumpsum Planned to Invest now
Enter 0 if you don't have a lumpsum set aside for this goal yet.
Your Current Monthly SIP
Enter 0 if you haven't started a SIP for this goal yet.
Goal Basics
Lumpsum Planned to Invest now
Enter 0 if you don't have a lumpsum set aside for this goal yet.
Your Current Monthly SIP
Enter 0 if you haven't started a SIP for this goal yet.
Goal Basics
Lumpsum Planned to Invest now
Enter 0 if you don't have a lumpsum set aside for this goal yet.
Your Current Monthly SIP
Enter 0 if you haven't started a SIP for this goal yet.
Goal Basics
Flat SIP vs. Fixed Amount Step-up SIP
To see the impact of adding just ₹2,000 more each year, here's a 5-year comparison assuming a 12% average annual return:
Year
Regular Flat SIP (Stays at ₹10,000)
Fixed Step-up SIP (Adds ₹2,000/year)
Year 1
₹10,000 / month
₹10,000 / month
Year 2
₹10,000 / month
₹12,000 / month
Year 3
₹10,000 / month
₹14,000 / month
Year 4
₹10,000 / month
₹16,000 / month
Year 5
₹10,000 / month
₹18,000 / month
Total Invested
₹6,00,000
₹8,40,000
Estimated Wealth
~₹8.1 Lakhs
~₹11.0 Lakhs
Illustrative example only, using the same rate convention as your calculated results above — not tied to the amounts you enter.
Lumpsum Planned to Invest now
Enter 0 if you don't have a lumpsum set aside for this goal yet.
Your Current Monthly SIP
Enter 0 if you haven't started a SIP for this goal yet.
Your Planned Monthly Step-up SIP Per Year
Enter 0 if you haven't planned a Monthly Step-up SIP Per Year for this goal yet.
Let's say you start a Step-up SIP with a base of ₹10,000 per month and choose a fixed yearly increase of ₹2,000.
Year 1: You invest ₹10,000 per month for 12 months.
Year 2: Your SIP steps up by ₹2,000. You now invest ₹12,000 per month for 12 months.
Year 3: Your SIP steps up by another ₹2,000. You now invest ₹14,000 per month for 12 months.
Year 4: Your SIP steps up by another ₹2,000. You now invest ₹16,000 per month for 12 months.
Year 5: Your SIP steps up by another ₹2,000. You now invest ₹18,000 per month for 12 months.
Goal Basics
Time to retirement (years) is the exact number of years remaining between your current age and your planned retirement age.
The duration of retirement is the total number of years you expect to live after you stop working and rely on your savings or pension.
Pre-Retirement
Don't change the default values unless you are very sure about your own scenario.
This field should not be filled zero (0) or left blank.
Post-Retirement
Don't change the default values unless you are very sure about your own scenario.
This field should not be filled zero (0) or left blank.
This field should not be filled zero (0) or left blank.
Current Value of Liquid Investments
Enter 0 if you don't have existing investments earmarked for retirement yet.
Your Current Monthly SIP
Enter 0 if you haven't started a SIP for retirement yet.
Fill in your goal details above, then press the button to see your plan.
Fill in your goal details and click "Calculate Plan" to see your required monthly SIP.
Required Monthly SIP
₹0/ month
Required Lumpsum
₹0
Future Goal Cost
₹0
Future Value of Lumpsum
₹0
Net Balance Needed
₹0
Future Value of Current SIP
₹0
Total SIP Invested including Step-up SIP
₹0
Retirement Profile Summary
Current Age
0 yrs
as of -
Age at Retirement
0 yrs
around -
Age at End of Retirement
0 yrs
around -
My Current Expense
₹0
as of -
My Expense at Retirement
₹0
around -
What-If Analysis: Your Existing Savings vs. Retirement Corpus
Future Value of Investments in Equity i.e. Stocks & MF
₹0
Future Value of Current SIP
₹0
Total Future Liquid Asset (TFLA)
₹0
Surplus / Deficit
₹0
Total Future Assets vs. Corpus Required
0.00
SIP Shortfall / Excess Per Month
₹0
Investment Growth vs. Rising Goal Cost
Assumes you invest the required ₹0/month from today, growing at your expected SIP return, against the goal cost rising with inflation.
Your Investment Value
Rising Goal Cost
Shortfall Alert: Your Current Plan vs. Goal
Based on your actual lumpsum of ₹0 and current monthly SIP of ₹0 entered above — shows the real gap between what you're on track for and what's needed.
Your Actual Investment Value
Rising Goal Cost
Your Step-up SIP, Year by Year
For each year, shows your base SIP, the additional amount added by your annual step-up, and the total monthly SIP that results.
Base SIP
Step-up Amount for that Year
Total Monthly SIP for that Year
These figures are illustrative and work only at the assumptions you set above (inflation and investment returns). Actual results will differ; returns are not guaranteed and this is not investment advice.
This calculator is only for educational purposes and creating awareness about long-term financial planning. Mutual Fund investments are subject to market risks; please read all scheme related documents carefully before investing. Nawneet Kumar Panjiyar is an AMFI Registered Mutual Fund Distributor (ARN 303470) and does not provide investment advisory services in the capacity of a Registered Investment Adviser.
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