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Demo environment. Sample data and demo handoffs only — no real accounts or transactions.

CompoundX Goal Studio

Plan before you invest.

Put a price and a date on what matters. Goal Studio carries it forward with inflation, counts what you already have and works out an illustrative monthly investment — with every assumption in view and yours to change.

Choose a goalPlan your retirement

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Child education · 2041

Example
10%

Illustrative monthly investment

₹19,642

Cost today
₹25 L
Cost in 2041
₹1.04 Cr
Funding gap
₹93.48 L
Hypothetical example: ₹25 L course in 15 years, 10% education inflation, ₹2 L set aside, 12% assumed return. Not a forecast.

Start with a goal

What are you planning for?

Each goal starts with sensible example numbers and its own inflation assumption. Change anything.

  • Retirement

    Turn today’s expenses into a retirement corpus and the monthly investment it could take.

    Inflation 6% · editable

  • Child Education

    Education inflation, the fees in the year they fall due, and what it takes to get there.

    Inflation 10% · editable

  • Home Purchase

    Down payment, registration, interiors — the whole number, not just the price.

    Inflation 6% · editable

  • Wedding

    A fixed date makes this one of the most plannable goals.

    Inflation 7% · editable

  • Emergency Fund

    Months of essential expenses, kept within reach.

    Inflation 6% · editable

  • Regular Income

    Turn a corpus into a dependable stream of cash flow.

    Inflation 6% · editable

  • Wealth Creation

    Long horizons, steady contributions, and time doing the heavy lifting.

    Inflation 6% · editable

  • Tax Planning

    Understand the tax side of investing — education, not advice.

    Explainer · no planner

  • Vacation

    Short-horizon goals deserve a plan too.

    Inflation 7% · editable

  • Custom Goal

    Name it, date it, price it — we’ll do the arithmetic.

    Inflation 6% · editable

How it works

Small decisions compound.

Goal planning turns a wish into four numbers you can act on: what it costs, when you need it, what you have, and what is left to find. The arithmetic is simple; the assumptions are where the judgement lives — so we show all of them.

  1. Price it today

    Put a number on the goal at today’s prices — easier to get right than a guess about the future.

  2. Carry it forward

    Inflation turns today’s price into the amount you will actually need in the target year.

  3. Count what you have

    Money already set aside grows at an assumed return and covers part of the future cost.

  4. Close the gap

    The rest becomes an illustrative contribution — monthly, quarterly, yearly or once — with an optional annual step-up.

Inflation, in one picture

Why ₹10 lakh today is not ₹10 lakh in 2040

What ₹10 lakh of spending today could cost in 2040
₹22.61 L
What ₹10 lakh left idle would buy in 2040, in today’s money
₹4.42 L

That is 2040.

At 6% a year, prices multiply by 2.3× over 14 years. That is why every Goal Studio plan starts in today’s money and carries it forward.

Hypothetical inflation rates for illustration. Actual price changes vary by item and over time.

Tools

Tools that pair with a plan

All tools

  • Goal Calculator

    Inflation-adjusted cost of any goal and the illustrative monthly investment.

  • Retirement Calculator

    Estimate the corpus your retirement may need and the gap to close.

  • Cost of Waiting

    How delaying your start changes the monthly investment a goal may need.

  • Inflation Calculator

    What today’s money is worth tomorrow — and what tomorrow’s costs will be.

  • SIP Lab

    Monthly SIP, step-up, delayed start and lumpsum + SIP — with inflation-adjusted value.

  • Step-Up SIP Calculator

    See how raising your SIP each year changes the outcome.

Academy

Planning, explained

More in the Academy

  • Market insight · 3 min

    How to read India’s inflation data

    Headline, core, food and base effects: a short guide to reading monthly inflation releases — and what they should, and should not, change in your plan.

  • Guide · 4 min

    Nominations and documents: a checklist for your family

    Nominations take minutes and can save your family months. What to check across bank accounts, mutual funds, demat, insurance and pensions — and where documents should live.

  • Guide · 4 min

    How to review your portfolio once a year

    One unhurried review a year catches most problems: drift, clutter, costs, protection gaps and stale goals. A practical checklist in nine steps.

Questions

About Goal Studio

No. Goal Studio does arithmetic on the numbers and assumptions you choose. It does not know your full situation and does not suggest products. If you would like to talk a plan through, a CompoundX expert can help.

You price the goal in today’s money. We grow it at the inflation rate you choose, once a year: future cost = cost today × (1 + inflation) ^ years. Education uses a separate, higher default because fees have tended to rise faster than everyday prices.

It is a hypothetical round number, not a forecast. Long horizons start at 12% a year and short ones at 7%; change it to see how sensitive the plan is. Actual returns may differ, and market-linked investments involve risk.

It is the share of the future cost that the money you have already set aside could reach by the target year at the assumed return. The rest is the funding gap that new contributions would need to close.

Yes. With a free CompoundX account your goals are saved with their assumptions and appear on your goals board, with progress recalculated each year. You can change or remove them at any time.

Talk to CompoundX

Prefer to plan with a person?

A CompoundX expert can walk through your goals, the assumptions behind them and the ways people usually work towards them. No obligation, and no pressure to invest.

Book a consultation