Goal Planner
Plan for education, house purchase and major life goals with inflation-adjusted calculations
Goal Configuration
15 years
130
%
%
Goal Analysis
Future Goal Value
₹33,01,417
Required Monthly SIP
₹6,543
With Step-up SIP
₹3,201
Total Investment
₹11,77,732
Real Returns Analysis
See purchasing power after inflation & tax
Investment Strategy
Recommended Asset Allocation
Equity70%
Debt20%
Gold5%
Investment Options
Large Cap Equity Funds
40-50% - Long-term growth
Mid/Small Cap Funds
20-30% - Higher returns
ELSS (Tax Saving)
10-15% - Tax benefits
PPF/Debt Funds
10-20% - Stability
Education Cost by Location
| Location | Estimated Cost |
|---|---|
| INDIA | 1500000 |
| US | 3500000 |
| UK | 3000000 |
| CANADA | 2500000 |
| AUSTRALIA | 2800000 |
Detailed Goal Analysis
Year-wise Projection
Year 1₹1L₹1L3%
Year 2₹1L₹2L5%
Year 3₹1L₹3L9%
Year 4₹1L₹4L12%
Year 5₹1L₹5L16%
Year 6₹1L₹7L21%
Year 7₹1L₹9L26%
Year 8₹1L₹10L32%
Year 9₹1L₹13L38%
Year 10₹1L₹15L46%
Flexibility Analysis
Delay by 2 years: SIP reduces to ₹5K (Save ₹2K/month)
Reduce target by 10%: SIP reduces to ₹6K (Save ₹1K/month)
Increase returns by 2%: SIP reduces to ₹5K (Save ₹1K/month)
Education Planning Tips
• Consider Sukanya Samriddhi Yojana for girl child education
• Education loans available at 8-12% interest rates
• Start early for better corpus accumulation
• Foreign education requires 2-3x higher corpus