Calculator
Any Goal Planner
Any goal with a cost today and a date behaves the same way: inflate the cost to the year you need it, then solve for the monthly investment that reaches it. Use this for a car, a house deposit, a sabbatical or anything else with a price and a deadline.
A long-run assumption, not a promise. Markets do not deliver a constant rate.
Cost in that year
Cost in that year:₹21,27,779
- Invest this each month
- ₹21,508
- Total you will put in
- ₹15,48,587
Ends at ₹21.28 L after 6 years
See the figures as a table
| Year | You invest | Value |
|---|---|---|
| 1 | ₹2,58,098 | ₹2,72,514 |
| 2 | ₹5,16,196 | ₹5,73,565 |
| 3 | ₹7,74,294 | ₹9,06,139 |
| 4 | ₹10,32,392 | ₹12,73,538 |
| 5 | ₹12,90,490 | ₹16,79,408 |
| 6 | ₹15,48,587 | ₹21,27,779 |
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- The cost rises at the inflation rate you set.
- The full amount is needed in a single year.
- A shorter horizon should use a lower assumed return, because there is less time to recover from a bad year.
How to use it
- Enter what the thing costs today.
- Set how far away it is.
- For anything under about five years, lower the return assumption sharply.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
What return should I assume for a short goal?
Much less than for a long one. Over two or three years there is no time to recover from a poor stretch, so a goal that close is usually better served by safer instruments and a larger monthly contribution.
Can I use this for a house deposit?
Yes, and it is one of the better uses. Set the inflation rate to what property is doing in the area you are buying in, which is often quite different from general inflation.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.