Goal planner
Enter up to four goals with today's cost and when you need them. See the SIP for each and the total.
- Up to four goals
- Inflation included
- Free, no sign-up
Tax changes the answer
Your slab, the holding period and the regime all change which option wins. Our experts plan it for your salary.
Questions people often ask
How are equity fund gains taxed?
Over a year: 12.5% above ₹1.25 lakh a year. Under a year: 20%.
How is FD interest taxed?
At your slab rate, every year, even on a cumulative FD.
Planning several goals
One SIP each.
- Grow each cost by inflation to its date.
- Find the SIP for each goal.
- Add them up for your monthly total.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education Securities and Exchange Board of India
Common questions
How does the goal planner work?
Each goal's cost is grown by inflation to its date; then the monthly SIP that reaches it is worked out. The SIPs are added up.
Should every goal use the same return?
Ideally not: short goals suit safer, lower-return options. This planner uses one return for simplicity.
What if the total is too high?
Push some goals later, lower their cost, or raise SIPs each year with your salary.
Do the SIPs run forever?
No. Each stops when its goal is reached.
What about savings I already have?
Use our goal SIP calculator for a single goal with existing savings.
