Goal planning calculator
Plan every goal. Share one number with your family.
Child's college. Retirement. Your first house. Two weeks in Japan. Each one becomes a monthly SIP. The calculator stacks them so you know the single number to commit to — and the link to share.
Share this goal sheet
goals · total . Recipient opens with the exact sheet you've built.
Combined monthly SIP
₹
/mo · goals
Split by goal
Total target corpus
Combined invested
Longest horizon
years ·
Your goals
| Goal | Target ₹ | Years | Return % | Required SIP | |
|---|---|---|---|---|---|
| |
Math: Each goal's required SIP is solved via the standard annuity-due formula —
SIP = target / (((1+r)n−1)/r × (1+r))
with r = annual return ÷ 12, n = years × 12. Step-up and inflation aren't applied here — use the SIP calculator for those.
Want help turning these goals into a portfolio?
Free 15-min call with a zfunds advisor. We'll map each goal to a specific fund, set up SIPs, and walk you through KYC. No obligation.
No spam. We'll call within 24 hours.
Got it, 👋
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Why this matters
"How much should I invest?" is the wrong question.
"How much for which goal?" is the right one. Once you know what you're investing for, the answer falls out of the math.
Goal-first, not amount-first
Most Indians start with "I'll SIP ₹5,000/month." We start with "I want ₹25L for my daughter's MBA in 12 years." The first leaves you wondering if it's enough. The second tells you exactly.
One number to commit to
When you can hand your spouse, parent, or advisor a single monthly amount that covers all your goals, decisions get easy. No more "what about the holiday fund" debates.
Share, don't explain
Click Share. Send the link on WhatsApp. Your spouse / advisor / parent opens the exact sheet you built — every goal, every number. No screenshots, no PDF exports, no version mismatches.
Quick answers
FAQ.
What if I can't afford the combined SIP?
That's the calculator's most useful output, actually — it tells you which goals to defer or scale down. Common moves: stretch the timeline (a 12-year goal at 10y vs 12y can cut the SIP by 25%), accept a lower-risk return (12% → 10%), or temporarily pause vacation/lifestyle goals while child-education and retirement get priority.
Should I use the same fund for every goal?
Usually no — match the fund to the horizon. Short horizons (1–3y) → debt/liquid. Medium (3–7y) → hybrid. Long (7+y) → equity. The calculator assumes you'll do this, which is why each goal has its own expected return.
What return % should I use for each goal?
A reasonable rule: 6% for liquid/debt (under 3y), 9% for hybrid (3-7y), 11% for large-cap equity (7-15y), 12-13% for diversified equity / mid-cap (15+y). Be conservative — easier to over-deliver than scramble.
How does the share link work?
The URL encodes every goal — name, target, years, return — as a base64-compressed parameter. When someone opens it, the calculator pre-loads with your exact sheet. No accounts, no server, no signup. The link itself is the data.
Can I change goals after sharing?
Yes — change anything, click Share again, the new link has the updated values. Old links keep working but show the older sheet (they were never updated by your edits).
Why isn't step-up SIP available here?
To keep this calculator simple and shareable. For step-up + inflation modelling on a single goal, use the SIP calculator. For multi-goal household-level planning, this is more useful — most people don't step-up every goal equally.
Need a second opinion on your goal sheet?
Share your link with us — a zfunds advisor will review the goals, suggest the right fund category for each, and flag anything aggressive.
No spam. We'll call within 24 hours.
Got it, 👋
Our team will call within 24 hours.
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