Goal Planner
Work backwards from a target corpus to the monthly investment required, adjusted for inflation.
What the Goal calculator does
A goal planner inverts the SIP formula to answer the practical question: how much must I invest monthly to reach a target amount? Enter your goal, timeline and assumed return. It also shows the inflation-adjusted value of that target, so the goal is set in realistic future rupees.
Your inputs
An assumption you choose — not a projection of any scheme's performance
Used to show what your target is worth in today's money
Monthly investment required
₹19,819
to reach ₹1Cr in 15 years at an assumed 12.00% annual return
Inflation check: at 6.0% inflation, ₹1Cr in 15 years buys what ₹41.73L buys today.
Year-by-year projection
- You put in36%₹35.67L
- Projected growth64%₹64.33L
This is arithmetic, not a forecast — the output is a mathematical projection of the assumptions you entered. Illustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
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An illustration of the figures above — what you put in, what it projects to, and what that would buy in today’s money. It is not a review of your investments and not advice.
Start this plan
₹19,900 a month
Choose a fund for this planIllustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
You choose the scheme. GrowIQ does not recommend one — nothing is submitted until you confirm it on the next screen, and the amount can be changed there.
How the goal calculation works
P = (FV − existing corpus grown) × i / [((1 + i)ⁿ − 1) × (1 + i)]
The SIP formula is inverted to solve for the instalment. Anything you have already invested is compounded forward first and subtracted from the target, so only the genuine shortfall is funded by the new monthly investment.
Frequently asked questions
Why adjust a financial goal for inflation?
A goal set in today's rupees understates what it will cost in future. If education costs ₹20 lakh today and inflation runs at 6%, the same requirement is materially higher in fifteen years. Planning against the inflated figure avoids a shortfall.
After the numbers
A complete list on the minimum instalment each AMC has registered — not a shortlist. GrowIQ Capital is an AMFI-registered distributor, not an investment adviser: it can tell you what each scheme’s terms are and transact for you, and it does not rate or recommend schemes.
GrowIQ Capital provides financial data analytics, market information and educational content. We are not a SEBI-registered Investment Adviser or Research Analyst. Nothing on this platform constitutes investment advice or a recommendation to buy or sell any security. No returns are assured or guaranteed. Any illustration of returns is a mathematical projection, not a promise. Past performance is not indicative of future returns and does not guarantee future results.