Goal Planner
What monthly amount reaches my target?
Work backwards from a target. The calculator inflates the goal to what it will genuinely cost by the time you get there, then works out the monthly investment that reaches it.
Your goal
Goal type
What it takes
₹20,697/month
Invested every month for 15 years at 12%, this reaches ₹1.04Cr — enough to cover a goal that will cost ₹1.04Cr by then.
Cost today
₹25L
Cost in 15y
₹1.04Cr
at 10% inflation
Existing grows to
₹0
Still to fund
₹1.04Cr
The inflation line is the point. ₹25L today becomes ₹1.04Cr in 15 years at 10%. Planning against today's price is the most common way goal planning fails — you reach the number you set and it no longer buys the thing.
As the date approaches, shifting gradually from equity into debt protects what you have accumulated. A 15-year goal can afford volatility; the same goal with two years left cannot.
What this tool does not model
- ·Inflation is assumed constant. Education costs in particular have historically been volatile as well as high.
- ·A single expected return is applied throughout, whereas a real plan would shift toward debt as the date approaches.
- ·Tax on redemption is not deducted from the final corpus.
Before you act on any of this
WealthSense publishes financial education, not financial advice. We are not a SEBI-registered investment adviser and nothing here is a recommendation to buy or sell any security. Every calculator uses an assumed rate of return that is illustrative only — real returns vary and can be negative. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Tax figures follow published slabs for the current financial year and ignore surcharge and individual circumstances. Please consult a qualified adviser before making decisions with your money.