finkit

Goal Planner

Plan monthly investments to hit any savings goal — a house down payment, education fund, wedding, or car — by your target date.

ⓘ How this works

A "goal" here is any target amount you want to reach by a specific date — a house down payment, your child's education fund, a wedding, a car, or anything else you're saving toward with regular monthly investments. This is distinct from retirement planning: there's no assumption about withdrawal rates or lifelong expenses, just a lump sum you need by a fixed date. Enter your goal amount, what you've already saved, how much you invest monthly, your expected return, and your timeline — the calculator tells you if you're on track, and if not, exactly how much more to invest each month to get there on time.

Your inputs

Goal amount
₹
Current savings
₹
Monthly investment
₹
Expected annual return
%
Years to goal
yrs
Annual step-up
%

Goal Planner

You're on track
Based on reaching your goal in 8 years
Surplus
₹5.3L
Your goal₹20L
What you'll have in 8 years₹25.3L
The goal amount is treated as nominal rupees at the target date — enter what it will cost then, not today. Short horizons (under 3-5 years) in equity can easily miss the target; consider safer instruments for near-term goals.

Risk note · Market-linked investments (mutual funds, stocks, SIPs) carry risk. The return you enter is an assumption — actual returns vary year to year, can be negative, and past performance does not predict future results. A smooth projected curve never happens in real markets; the final figure can land well above or below it.

Disclaimer · finkit is an educational tool, not financial, tax or legal advice. Every result is a projection from the numbers you entered and the assumptions stated on the page — it is not a forecast, a quote, or an offer. Check decisions with a SEBI-registered adviser, your lender, or a tax professional.