Calculate how much to invest monthly to reach any financial goal — child education, home, marriage, or custom. Inflation-adjusted, accounts for existing savings.
Calculate how much to invest monthly to reach any financial goal — child education, home, marriage, or custom. Inflation-adjusted, accounts for existing savings.
Select a goal, enter the target amount and timeline to see how much to invest monthly.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Target today ₹20,00,000, Years 10, Return 12%, Inflation 6%, Existing ₹2,00,000
Graphical view
Target today ₹50,00,000, Years 15, Return 11%, Inflation 6%, Existing ₹15,00,000
Graphical view
HOW IT WORKS
Select from common goals or enter a custom goal. Enter the amount in today's value — the calculator adjusts for inflation automatically.
Enter how many years until you need the money and the expected annual return on your investment.
See exactly how much to invest per month to hit your inflation-adjusted goal — accounting for existing savings.
FAQ
A goal that costs ₹20 lakh today will cost ₹35 lakh in 10 years at 6% inflation. Planning based on today's cost underestimates the actual amount needed. Always plan with inflation-adjusted target amounts for goals more than 5 years away.
For a 10+ year horizon: equity mutual funds (10-12% CAGR), index funds (10-13%), balanced funds (8-10%). For 3-5 year goals: use debt or hybrid funds (6-9%). For < 3 years: use liquid/debt funds (5-7%). Never use equity for short-term goals — the volatility may force you to sell at a loss.
Any existing savings earmarked for this goal will compound over the investment period. For example, ₹5 lakh invested today at 12% for 10 years grows to ₹15.5 lakh — reducing how much new SIP you need. Always account for existing investments when planning goals.
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