Goal Based Investment Calculator
Plan for multiple financial goals simultaneously. Calculate separate SIP for each goal — home, car, education, vacation, retirement.
Your Financial Goals
Total Monthly SIP
₹92.5K/mo
Total Goal Amount
₹86.00 L
Total You'll Invest
₹46.57 L
Monthly SIP Distribution by Goal
Multiple Goals
Add up to 8 different financial goals with separate timelines and priorities.
Individual SIPs
Get exact monthly SIP amount needed for each goal separately.
Customizable
Set amount, timeline, and priority for each goal based on your needs.
How to Use
Add Your Goals
Create goals for home, car, education, vacation, or anything you're saving for.
Set Amount & Timeline
Enter target amount and years for each goal.
Set Priority
Mark goals as High/Medium/Low priority to organize your planning.
View SIP Breakdown
See monthly SIP needed for each goal and total combined SIP.
The Formula
Each Goal SIP = Goal Amount × r / [(1+r)^n - 1]Frequently Asked Questions
Why goal-based investing?
Different goals have different timelines and risk profiles. A 2-year car goal needs safer debt funds. A 15-year education goal can use aggressive equity. Goal-based approach ensures each goal gets appropriate investment strategy.
How many goals should I have?
3-5 major goals is ideal. Too many goals spread your finances thin. Prioritize: Emergency Fund → Home → Education → Retirement. Add others based on income.
What if I can't afford all SIPs?
Start with highest priority goals first (usually Emergency Fund and Retirement). As income grows, add more goals. It's okay to delay low-priority goals.
Can I use different investments for each goal?
Yes! Short-term goals (1-3 years): Debt funds, FD. Medium-term (3-7 years): Balanced funds. Long-term (7+ years): Equity SIP. Match investment to goal timeline.
What if I reach a goal early?
Great! Redirect that SIP to next priority goal or increase contributions to remaining goals. Keep the investment discipline going.