Year 1
- Projected funding
- ₹0
- Goal cost
- ₹21,20,000
- Funded amount
- ₹0
- Shortfall
- ₹21,20,000
- Surplus
- ₹0
- Goal coverage
- 0%
- Progress to target
- 0%
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Plan backwards from the goal
Goal Funding Calculator
Start with what the goal costs today, then account for time, inflation, existing savings and monthly affordability.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
Define the goal
About 5 years away
What you can set aside each month after expenses and EMIs. Used to check whether the goal is affordable.
Loan and timing
The amount you will borrow on the target date. Your savings fund the rest.
Use this if other commitments come first. Existing savings keep growing meanwhile.
Results update when an input changes. Review the key figures, projection and assumptions below.
- Estimated future cost
- ₹26,76,360
- Projected funding
- ₹0
- Goal coverage
- 0%
- How much of the goal your savings and planned contributions cover
- Starting monthly contribution needed
- ₹28,923
Ways to fund the gap
Each option reaches ₹26,76,360 on its own.
- Step-up SIP · rising 10% a year
- ₹28,923 a month
- Fixed SIP
- ₹34,681 a month
- Lump sum today
- ₹16,61,901
A step-up SIP starts lower and grows with income. A fixed SIP costs more each month at the start, and a lump sum needs the money today.
Funded value, remaining shortfall, and surplus are mapped directly from each projection period.
- Funded amount
- Shortfall
- Surplus
Year 5
- Period
- Year 5
- Projected funding
- ₹0
- Inflation-adjusted goal cost
- ₹26,76,360
- Shortfall
- ₹26,76,360
- Goal coverage
- 0%
Select a period to review funding against the goal cost.
View data tableReview goal funding projection 5 rows
| Period | Projected funding | Goal cost | Funded amount | Shortfall | Surplus | Goal coverage | Progress to target |
|---|---|---|---|---|---|---|---|
| Year 1 | ₹0 | ₹21,20,000 | ₹0 | ₹21,20,000 | ₹0 | 0% | 0% |
| Year 2 | ₹0 | ₹22,47,200 | ₹0 | ₹22,47,200 | ₹0 | 0% | 0% |
| Year 3 | ₹0 | ₹23,82,032 | ₹0 | ₹23,82,032 | ₹0 | 0% | 0% |
| Year 4 | ₹0 | ₹25,24,954 | ₹0 | ₹25,24,954 | ₹0 | 0% | 0% |
| Year 5 | ₹0 | ₹26,76,360 | ₹0 | ₹26,76,360 | ₹0 | 0% | 0% |
Year 2
- Projected funding
- ₹0
- Goal cost
- ₹22,47,200
- Funded amount
- ₹0
- Shortfall
- ₹22,47,200
- Surplus
- ₹0
- Goal coverage
- 0%
- Progress to target
- 0%
Year 3
- Projected funding
- ₹0
- Goal cost
- ₹23,82,032
- Funded amount
- ₹0
- Shortfall
- ₹23,82,032
- Surplus
- ₹0
- Goal coverage
- 0%
- Progress to target
- 0%
Year 4
- Projected funding
- ₹0
- Goal cost
- ₹25,24,954
- Funded amount
- ₹0
- Shortfall
- ₹25,24,954
- Surplus
- ₹0
- Goal coverage
- 0%
- Progress to target
- 0%
Year 5
- Projected funding
- ₹0
- Goal cost
- ₹26,76,360
- Funded amount
- ₹0
- Shortfall
- ₹26,76,360
- Surplus
- ₹0
- Goal coverage
- 0%
- Progress to target
- 0%
Formula and assumptions
Formula: The goal cost grows with annual inflation; existing funds and stepped monthly contributions grow to the selected target date.
- A loan pays its amount on the target date, so savings fund only the rest. Its EMI uses the annual rate divided by twelve, as lenders quote it.
- With a start delay, monthly contributions begin after the delay and stop on the target date. Existing savings and the one-time investment grow throughout.
- The effective annual return is converted to an equivalent monthly rate.
- Monthly contributions are added at the beginning of each month and the step-up is applied annually.
- Goal cost inflation compounds annually over the elapsed target horizon.
- A target date of today is a snapshot with no future contribution period.
- Affordability compares the additional contribution with the surplus entered here or imported explicitly from a plan.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version goal-funding-3
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