🎲 Fun & Lifestyle
Investment Goal Calculator
Figure out what you need to invest to hit any goal — lumpsum, monthly, or both.
Enter values to see your result
Frequently asked questions
SIP or lumpsum — what's better for a goal?
If you have the lumpsum and valuations look fair, lumpsum wins through longer market exposure. If not, SIP from monthly income is the realistic path. The hybrid option deploys some now, some over time.
How do I decide target amount?
Estimate today's cost of the goal, then inflate to future value. For retirement, use the 25× rule: target = 25 × your annual expenses.
What return rate should I pick?
Horizon 15+ years: 11–13% (equity-heavy). 7–15 years: 9–11% (balanced). <7 years: 7–9% (debt-heavy). Shorter horizons need more conservative assumptions.
What if I can't afford required SIP?
Three options: (1) extend tenure — the cheapest lever, (2) accept partial goal funding, (3) step up SIP over years as income grows.