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RupeeTree

Goal Planner

Set a goal, choose how you will invest, and see exactly how much you need to put in — with one instrument or a mix.

Start from an example

Example amounts only; change anything to match your own plans.

This amount is in
years

₹50 lakh of today's money is ₹1.29 crore in 15 years. Prices rose 6.6% a year on average from 1992 to 2025.

Money already put aside, if any. It counts towards the goal.

How you will invest

Tick one or more. Enter the amounts you already plan, and pick the one that fills the gap.

  • Monthly amount: worked out to reach the goal.

  • Current government rate; it can change every quarter.

SIP needed each month

₹15,260

Goal in 15 years
₹1,28,59,205₹1.29 crore
Goal in today's money
₹50,00,000₹50 lakh
You put in
₹51,96,800₹51.97 lakh
Growth
₹76,65,952₹76.66 lakh

Your plan reaches ₹1,28,62,752 in 15 years: the goal of ₹1,28,59,205 with ₹3,547 to spare (from rounding the amount up).

What each part grows to
  • SIP (fills the gap)
    ₹15,260 a month → ₹77 lakh
  • Lump sum
    ₹2,00,000 today → ₹10.95 lakh
  • PPF
    ₹1,50,000 a year → ₹40.68 lakh
Your plan against the goalYour planGoal

Year-by-year plan

YearInvestedReturnsValue
Year 1₹5,33,120₹47,000₹5,80,120
Year 2₹8,66,240₹1,33,077₹9,99,317
Year 3₹11,99,360₹2,62,531₹14,61,891
Year 4₹15,32,480₹4,40,157₹19,72,637
Year 5₹18,65,600₹6,71,312₹25,36,912
Year 6₹21,98,720₹9,61,973₹31,60,693
Year 7₹25,31,840₹13,18,819₹38,50,659
Year 8₹28,64,960₹17,49,313₹46,14,273
Year 9₹31,98,080₹22,61,794₹54,59,874
Year 10₹35,31,200₹28,65,588₹63,96,788
Year 11₹38,64,320₹35,71,125₹74,35,445
Year 12₹41,97,440₹43,90,073₹85,87,513
Year 13₹45,30,560₹53,35,491₹98,66,051
Year 14₹48,63,680₹64,21,995₹1,12,85,675
Year 15₹51,96,800₹76,65,952₹1,28,62,752

How to use the goal planner

  1. Enter the goal and how many years away it is.
  2. Choose whether the amount is in today's money (it then grows with inflation) or in money of that year.
  3. Tick the ways you will invest: SIP, step-up SIP, a lump sum today, a recurring deposit, PPF or Sukanya Samriddhi.
  4. Enter the amounts you already plan for some of them, and press Make this fill the gap on the one the planner should work out.

How the amount is worked out

Each instrument grows with the same formulas as its own calculator on this site. The amounts you fix are grown to the goal year first; the one that fills the gap covers the rest:

Amount needed = (Goal in that year − value of the fixed parts) ÷ value of ₹1 in the instrument that fills the gap

The result is rounded up (to ₹10 for monthly amounts, ₹50 for PPF and Sukanya, ₹100 for a lump sum), so the plan always reaches the goal. PPF and Sukanya deposits cannot go above ₹1,50,000 a year; if the gap needs more, the planner says so.

Example: a goal of ₹50 lakh in today's money, 15years away, at 6.5% inflation, is ₹1,28,59,205 in that year. With Lump sum ₹2,00,000 today and PPF ₹1,50,000 a year, the sip needed is ₹15,260 a month. The plan then reaches ₹1,28,62,752.

Frequently asked questions

How much SIP do I need for ₹1 crore?

At 12% a year, about ₹19,820 a month for 15 years, or ₹10,010 a month for 20 years. With a 10% yearly step-up you could start at ₹11,520 a month for 15 years.

Why enter the goal in today's money?

Because prices rise. ₹50 lakh of today's money is ₹1.29 crore in 15 years at 6.5% inflation. Planning for the bare ₹50 lakh would need only ₹0 a month of SIP instead of ₹15,260, and leave you short when the day comes.

Can I use PPF for a goal less than 15 years away?

Not fully. PPF matures 15 years after the year you open it, so the planner only offers it for goals 15 or more years away. For longer goals it counts deposits until the last 5-year block that ends by the goal, then keeps the account without deposits, still earning interest.

How does Sukanya Samriddhi fit a goal for my daughter?

The account can be opened for a girl aged 10 or under. Deposits run for 15 years and it matures 21 years after opening, or it can be closed for her marriage once she is 18. The planner uses it only when the goal falls on one of those dates. Withdrawing up to half for her education at 18 is allowed but is not modelled here.

What if returns are lower than expected?

You need to invest more. For ₹1 crore in 15 years, a SIP needs ₹19,820 a month at 12%, but ₹26,230 at 9%. Mutual fund returns are not guaranteed, so try a lower rate too.

Related calculators

Last updated . For information only — not financial advice. Check the final figures with your lender or bank.