🎯 Goal Savings

Monthly SIP or lump sum needed to reach a target amount.

What it does

Works backward from a target amount to tell you what to invest each month (or as a lump sum today) to get there at a chosen return.

When to use it

Use it for any specific future need: a house down payment, a child's education, a big purchase, or a fund you want to build by a target date.

Assumptions
  • Your rate of return is fixed every year; real returns will vary.
  • SIP contributions are made at the start of each month.
  • No withdrawals during the accumulation period.
Inputs
years
%
Pro tip

Start today: investing a smaller amount earlier usually beats a larger amount later. If the required SIP is more than your budget, extend the horizon, lower the target, or accept a slightly higher expected return before cutting savings.