Finbharat Calculators

Plan with clarity

Goal-Based Calculator

Start with child education, a car or financial freedom. Make the goal your own, then explore how time, inflation and current savings could shape your plan.

Mutual fund / SIPFixed depositGoal-based planning

Your goal. Your possibilities.

What are you planning for?

Make room for their next chapter.

Start with example numbers. Edit every assumption to reflect your goal. Each goal keeps your edits while this calculator is open.

Enter the education cost in today’s rupees.

Adjust the slider or enter your own value.

Adjust the slider or enter your own value.

Adjust the slider or enter your own value.

An assumption you choose, not a promised return.

Your numbers stay in your browser. No account needed.

AN ILLUSTRATIVE ESTIMATE

Required monthly investment

₹7,360

For Child education, in 10 years

Projected existing savings
₹2,70,704
Remaining goal gap
₹15,20,144
Estimated future goal cost₹17,90,848Alternative additional one-time investment₹5,61,552

At your assumed return, existing savings could cover 15% by your goal date.

10% annual return assumption · 10 years

Explain this estimate How this number is worked out

At 6% inflation, your goal could cost ₹17,90,848. The monthly estimate covers the gap after projected growth of your existing savings.

An explanation of your inputs, not an AI recommendation. Taxes and fees are excluded.

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The one-time amount is an alternative to monthly investing, in addition to your current savings.

These calculations are illustrative and not financial advice. Actual returns, rates, taxes, and outcomes may vary.

Understand the calculation and assumptions

Future cost = current cost × (1 + inflation)^years. Current savings are grown at the annual return divided by 12, compounded monthly. The remaining shortfall is divided by a beginning-of-month SIP annuity factor to estimate the monthly contribution. The alternative additional one-time amount is the discounted shortfall. No fees, taxes or withdrawals are included. At zero return, the shortfall is divided evenly across the months.

All inputs are user-provided assumptions. Displayed rupee amounts are rounded to whole rupees; these are projections, not guaranteed outcomes.

How do you plan for a financial goal?

Start with the cost of your goal today and the time you have. The calculator adjusts that cost for inflation, grows your existing savings at the return assumption you choose, and estimates the monthly investment needed to cover the remaining gap.

Use estimates to explore possibilities

Try different assumptions to understand how time, savings and return affect your plan. Consider your circumstances and consult an appropriately qualified adviser before making financial decisions.