Question 1

What is the Goal Planner used for?

Accepted Answer

It works backwards from a target: given the corpus you want, the deadline, and an expected return, it tells you the exact SIP - monthly or annual - required to get there. Use it for goals with a number and a date: a house down payment, education, or a retirement corpus.

Question 2

What inputs does it need?

Accepted Answer

Three numbers: the target corpus, the time period in years, and the expected annual return. A toggle switches the required SIP between monthly and annual investing.

Question 3

How is the required SIP calculated?

Accepted Answer

Using the future value of an annuity due (investments assumed at the start of each period), solved in reverse: the calculator finds the contribution whose compounded value equals your target exactly at the deadline.

Question 4

How large a SIP does a ₹1 crore goal need?

Accepted Answer

At a 12% expected return over 15 years, reaching ₹1 crore needs about ₹19,923 per month, or about ₹2.4 lakh per year if you invest annually. Total contributions come to roughly ₹36 lakh - compounding supplies the other ₹64 lakh.

Question 5

Why does monthly investing need less than annual?

Accepted Answer

Monthly contributions start compounding sooner and more frequently than one annual installment, so the same goal needs a slightly smaller total outlay when invested monthly.

Question 6

What does the year-by-year table show?

Accepted Answer

For each year: the opening balance, the amount invested, the returns earned, and the corpus accumulated - so you can see exactly how the plan closes in on the target, and that the final year lands on your goal amount.

Question 7

What if the required SIP is more than I can invest?

Accepted Answer

Change one of the three levers: push the deadline out, lower the target, or - carefully - assume a higher return by taking more equity risk. Extending the timeline is usually the cheapest lever, because compounding does more of the work in the added years.

Year	Opening balance	Investment	Returns	Corpus
2026	₹0	₹2,39,502	₹28,740	₹2,68,242
2027	₹2,68,242	₹2,39,502	₹60,929	₹5,68,674
2028	₹5,68,674	₹2,39,502	₹96,981	₹9,05,157
2029	₹9,05,157	₹2,39,502	₹1,37,359	₹12,82,018
2030	₹12,82,018	₹2,39,502	₹1,82,582	₹17,04,103
2031	₹17,04,103	₹2,39,502	₹2,33,233	₹21,76,838
2032	₹21,76,838	₹2,39,502	₹2,89,961	₹27,06,301
2033	₹27,06,301	₹2,39,502	₹3,53,496	₹32,99,299
2034	₹32,99,299	₹2,39,502	₹4,24,656	₹39,63,457
2035	₹39,63,457	₹2,39,502	₹5,04,355	₹47,07,315
2036	₹47,07,315	₹2,39,502	₹5,93,618	₹55,40,435
2037	₹55,40,435	₹2,39,502	₹6,93,592	₹64,73,530
2038	₹64,73,530	₹2,39,502	₹8,05,564	₹75,18,595
2039	₹75,18,595	₹2,39,502	₹9,30,972	₹86,89,069
2040	₹86,89,069	₹2,39,502	₹10,71,429	₹1,00,00,000

Goal Planner

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