Enter your target, what you already have, how many years you have, and whether you invest monthly or yearly — see the suggested contribution.
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This calculator suggests how much to invest each month (SIP-style) or each year so that, together with your current savings and expected return, you reach your target amount by the date you choose. It also shows what the target is worth in today’s purchasing power given inflation.
First grow the target from today’s purchasing power to a nominal future goal: nominal goal = target × (1 + inflation)^years. Then solve for the monthly or yearly payment so that FV(current savings) + FV(annuity of payments) = nominal goal, using your expected investment return.
Set target amount, amount saved so far, years to goal, whether you invest monthly or yearly, expected return, and inflation. Review the suggested contribution and future value from savings alone.
The tool solves for how much to invest each month or each year so your balance hits the target on that date. A longer horizon usually means a smaller recurring amount; a shorter horizon means you must invest more each period.
Monthly assumes equal end-of-month investments (like a SIP). Yearly assumes one investment at the end of each year. Pick the pattern that matches how you actually save.
If your current savings are projected to grow to the inflated nominal goal by the horizon at your expected return, you do not need extra contributions. Try a shorter horizon or lower return assumption if that seems too optimistic.
The target you enter is treated as today’s purchasing power. We compound it by your inflation rate over your time horizon to get the nominal amount needed at the end. The suggested monthly or yearly investment is calculated to reach that future nominal amount, not just the number you typed.
Use your expected return after tax if the goal is spendable money. Pre-tax is fine for rough planning with tax-efficient products.
Yes — set the target, timeline, and whether you save monthly or yearly. Include an inflation rate if the goal is far away and priced at future values.
The calculator uses a constant return for simplicity. For variable returns, run multiple scenarios with different rates to see a range of outcomes.
Use these notes to stress-test the calculator, understand what drives the result, and choose the right tool for the decision you are making.
The calculator assumes one goal amount, one time horizon, one return assumption, and a steady monthly or yearly contribution pattern. It treats inflation as a constant annual rate and does not model changing contribution amounts over time.
If you already have 3 lakh saved toward a 15 lakh goal five years away, the required monthly contribution is very different from starting at zero. Existing savings plus compounding can do a meaningful share of the work when the timeline is long enough.
The suggested contribution is a planning output, not a judgment. If it is higher than your budget allows, that usually means one of the three levers must move: timeline, target amount, or expected return.
Use Savings Goal when you want a broader target-planning tool that works with current savings and monthly or yearly contributions. Use SIP Goal when you specifically want the monthly SIP required for a future lump-sum goal.
“The stock market is a device for transferring money from the impatient to the patient.”
— Warren Buffett
