Goal-based financial planning, explained
Goal-based planning starts with what you actually want your money to do — educate your children, fund their marriage, and retire comfortably — and works backwards to what you need to invest today. This tool turns those goals into concrete numbers so you can see where you stand and what to do next.
What the planner uses
- Your profile — age, income, expenses and existing savings/investments set the starting point and your monthly surplus.
- Children — each child's age and target ages for education and marriage determine how many years you have for each goal.
- Inflation — education, marriage and general inflation grow today's costs into future costs.
- Expected returns — used to grow existing corpus and to size the monthly SIP for each gap.
- Retirement — retirement age, life expectancy and expenses estimate the corpus you'll need to fund your post-retirement years.
Future value, present value and required SIP
For every goal the planner computes the future cost (present cost grown by inflation), the future value of money you've already saved, the funding gap between them, and the monthly SIP needed to close that gap over the remaining years. The retirement corpus uses an inflation-adjusted (real-return) annuity so your withdrawals keep pace with rising costs. Every figure is shown so nothing is a black box.
Assumptions and limits
All results are estimates based on the assumptions you enter and constant assumed returns. Real inflation and market returns vary, so revisit your plan regularly. This tool is educational and is not investment advice. For a plan tailored to your full situation, a one-to-one consultation is the natural next step.
Frequently asked questions
What does this financial planning tool do?
It builds a goal-based roadmap from details you enter — your profile, children, and retirement. For each goal it estimates the future cost after inflation, the future value of any money you have already set aside, the funding gap, and the monthly SIP you would need to close that gap.
How is a future goal cost calculated?
Future cost = present cost × (1 + inflation rate) ^ number of years. For example, an education cost of ₹10,00,000 today at 8% education inflation over 16 years becomes about ₹34.3 lakh. The tool shows this calculation so you can see exactly how the number is derived.
How is the required monthly SIP worked out?
For each goal the tool takes the funding gap (future cost minus the future value of existing savings) and solves the SIP future-value formula for the monthly amount needed to reach it over the remaining years at your expected return. It never assumes a guaranteed return.
Is my financial information stored or shared?
No. The plan is calculated entirely in your browser. Your name, income, expenses and family details are not sent through the URL or stored on a server by this tool.