Planning
Goal Calculator
Price any goal in tomorrow’s rupees and see the illustrative investment it may need.
Monthly investment needed
Illustration₹17,211
To reach the goal in 10 years.
- Future cost
- ₹44,77,119
- Funding gap
- ₹38,55,950
In plain words
Custom Goal costing ₹25 L today could cost about ₹44.77 L in 10 years at 6% inflation. Putting aside ₹17,211 monthly at an assumed 12% a year could close the gap.
Path to the goal
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
Today’s cost grows with the inflation rate you set for this goal. Education costs, for example, have historically risen faster than general prices.
future cost = cost today × (1 + inflation)^years
Money already set aside grows at the assumed return to the goal date. The funding gap is what remains.
gap = future cost − invested today × (1 + r)^years
Regular contributions are made at the start of each period; the amount is solved exactly for the gap. A one-time amount is the gap discounted back to today.
one-time = gap ÷ (1 + r)^years
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.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- InflationThe rate at which prices rise over time, which steadily reduces what a fixed amount of money can buy.
- Step-up SIPAn SIP whose instalment rises at set intervals — usually yearly, by a fixed amount or percentage — so investing keeps pace with income.
- SIPA way to invest a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing everything at once.
- Liquid fundA debt mutual fund that invests in very short-term money-market instruments, often used to park money needed soon.
- Asset allocationHow you divide money across asset classes such as equity, debt, gold and cash — the biggest single driver of a portfolio’s risk and behaviour.
Read next
Related tools
- Inflation CalculatorWhat today’s money is worth tomorrow — and what tomorrow’s costs will be.
- SIP LabMonthly SIP, step-up, delayed start and lumpsum + SIP — with inflation-adjusted value.
- Step-Up SIP CalculatorSee how raising your SIP each year changes the outcome.
- Retirement CalculatorEstimate the corpus your retirement may need and the gap to close.
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.