Goal Studio · Your own goal
Name it, date it, price it
A car, a sabbatical, a parent’s care, a business — give it a name, a cost in today’s money and a year. We’ll do the arithmetic.
- Inflation
- 6%
- Assumed return
- 10%
Starting assumptions — hypothetical and editable below.
Your plan
Illustrative investment needed
₹17,341a month
To have ₹13.38 L in 2031 (₹10 L in today’s money), invest about ₹17,341 a month, at an assumed 10% a year.
- Cost in 2031
- ₹13.38 L
- ₹10 L in today’s money, at 6% inflation
- What you have could grow to
- ₹0
- ₹0 today, at 10% a year
- Funding gap
- ₹13.38 L
- Future cost minus what you have could grow to
- You would invest in total
- ₹10.4 L
- New contributions over 5 years
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This is an illustration, not a forecast or a promise. It is based on the assumptions shown, which are hypothetical and yours to edit. Actual returns may differ, sometimes significantly, and market-linked investments involve risk, including the possible loss of capital. Taxes, costs and inflation can change the outcome.
Assumptions behind these numbers
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
- Cost in today’s money
- ₹10,00,000
- Years to goal
- 5 years
- Inflation for this goal (annual)
- 6%
- Already invested
- ₹0
- Assumed annual return (illustrative)
- 10%
- Contribution frequency
- Monthly
How it is calculated
- Inflation is an effective annual rate. Value in today’s money = future amount ÷ (1 + inflation)^years.
- The annual return is an effective annual (compound) rate; the periodic rate is (1 + annual rate)^(1/periods) − 1.
- Contributions are assumed at the start of each period.
- These figures are illustrations based on hypothetical assumptions, not forecasts. Actual returns may differ, and market-linked investments involve risk.
Formula set v1.0.0
What to consider
Before you settle on a custom goal number
Price it in today’s money
It is easier to be accurate about today’s price. Inflation then carries it to the year you need it.
Not everything inflates at the same rate
Cars, care and technology move differently from everyday prices. Adjust the inflation assumption to the thing you are planning for.
Keep it separate
Money earmarked for one goal is easier to protect when it is not mixed with money for everything else.
Explore
Products people often explore for this goal
Education first: each page explains how the product works, its risks and costs. Nothing here is a recommendation.
Pooled portfolios, priced daily and regulated by SEBI. Understand them first.
A fixed rate for a fixed term — with more choices inside that simplicity than most people check.
Tools
Tools for this goal
Academy
Read before you decide
Goal Studio
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Talk to CompoundX
Talk your custom goal plan through
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.