Goal-Based Investment Planner

Higher Education Goal Plan

Goal Basics

Current Higher Education Expense (₹)

Expected Inflation Rate (%)

Expected SIP Return (%)

Child's Current Age (Years)

Age at Higher Education (Years)

Lumpsum Planned to Invest now

Lumpsum Investment (₹)

Enter 0 if you don't have a lumpsum set aside for this goal yet.

Expected Return on Lumpsum (%)

Your Current Monthly SIP

Current Monthly SIP for This Goal (₹)

Enter 0 if you haven't started a SIP for this goal yet.

Goal Basics

Capital/Investment Required to Start a Business Today (₹)

Preparation Time Required To Start the Business (Years)

Expected Inflation Rate for my planned Business(%)

Expected SIP Return for my planned Business Goal (%)

Lumpsum Planned to Invest now

Lumpsum Investment for my planned Business Goal (₹)

Enter 0 if you don't have a lumpsum set aside for this goal yet.

Expected Return on Lumpsum (%)

Your Current Monthly SIP

Current Monthly SIP for my planned Business Goal (₹)

Enter 0 if you haven't started a SIP for this goal yet.

Goal Basics

Current Marriage Expense (₹)

Expected Inflation Rate (%)

Expected Yearly SIP Return (%)

Current Age of Girl Child (Years)

Age of Girl Child at the Time of Marriage (Years)

Lumpsum Planned to Invest now

Lumpsum Investment (₹)

Enter 0 if you don't have a lumpsum set aside for this goal yet.

Expected Return on Lumpsum (%)

Your Current Monthly SIP

Current Monthly SIP for This Goal (₹)

Enter 0 if you haven't started a SIP for this goal yet.

Goal Basics

Custom Goal Name

Investment/Expense Amount Required Today (₹)

Preparation Time / Duration (Years)

Expected Inflation Rate (%)

Expected Yearly SIP Return (%)

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

Lumpsum Investment (₹)

Enter 0 if you don't have a lumpsum set aside for this goal yet.

Expected Return on Lumpsum (%)

Your Current Monthly SIP

Current Monthly SIP for This Goal (₹)

Enter 0 if you haven't started a SIP for this goal yet.

Your Planned Monthly Step-up SIP Per Year

Monthly Step-up SIP planned Per Year for This Goal (₹)

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

Current Monthly Expense (₹)*

My Current Age (Years)*

Time to Retirement (Years)*

Time to retirement (years) is the exact number of years remaining between your current age and your planned retirement age.

Duration of Retirement (Years)*

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.

Annual Inflation Pre-Retirement (%)

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.

Annual Inflation Post-Retirement (%)

This field should not be filled zero (0) or left blank.

Avg. Investment Return Post-Retirement (%)

This field should not be filled zero (0) or left blank.

Current Value of Liquid Investments

Current Value of Investments in Equity i.e. Stocks & MF (₹)

Enter 0 if you don't have existing investments earmarked for retirement yet.

Avg. Expected Return Pre-Retirement on your Equity Investments i.e. Stocks & MF (%)

Your Current Monthly SIP

Current Monthly SIP for my Retirement (₹)

Enter 0 if you haven't started a SIP for retirement yet.

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

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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.

Plan your goal, know your number

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Flat SIP vs. Fixed Amount Step-up SIP

Lumpsum Planned to Invest now

Your Current Monthly SIP

Your Planned Monthly Step-up SIP Per Year

Goal Basics

Pre-Retirement

Post-Retirement

Current Value of Liquid Investments

Your Current Monthly SIP

Retirement Profile Summary

What-If Analysis: Your Existing Savings vs. Retirement Corpus

Investment Growth vs. Rising Goal Cost

Shortfall Alert: Your Current Plan vs. Goal

Your Step-up SIP, Year by Year

Plan your goal, know your number

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Lumpsum Planned to Invest now

Your Current Monthly SIP

Goal Basics

Flat SIP vs. Fixed Amount Step-up SIP

Lumpsum Planned to Invest now

Your Current Monthly SIP

Your Planned Monthly Step-up SIP Per Year

Goal Basics

Pre-Retirement

Post-Retirement

Current Value of Liquid Investments

Your Current Monthly SIP

Retirement Profile Summary

What-If Analysis: Your Existing Savings vs. Retirement Corpus

Investment Growth vs. Rising Goal Cost

Shortfall Alert: Your Current Plan vs. Goal

Your Step-up SIP, Year by Year

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