Goal-Based SIP Planner
Enter one goal. See the honest monthly SIP required, the wealth it creates, and the small changes that move the number the most.
Monthly SIP
₹2,787
Future goal value
₹23.97 L
Total invested
₹10.63 L
Estimated wealth
₹13.34 L
Recommended asset class
Equity Mutual Funds
>10–15 years
Expected return
12.0%
Compounded monthly
Inflation impact
₹13.97 L
Applied to goal
FV of existing corpus
₹0
Remaining goal
₹23.97 L
Achievement probability
42.6%
Monte Carlo, 2,000 trials
Median outcome
₹22.65 L
10th pct ₹15.30 L · 90th pct ₹33.29 L
58
/ 100
Goal Health Score
Fragile
- Add a one-time top-up to shrink the funding gap.
Investment Growth
Smart Goal Optimizer
What actually moves the number?
Baseline SIP: ₹2,787
Biggest win: Delay goal by 2 years — new SIP ₹2,033 (-₹754 vs baseline)
Delay goal by 1 year
Adds a year of compounding to your existing corpus and SIPs.
New SIP
₹2,284
▼ ₹504 vs baseline
Delay goal by 2 years
Two extra years let compounding do more of the work.
New SIP
₹2,033
▼ ₹754 vs baseline
Increase step-up by 5%
Raise annual SIP step-up to increase later-year contributions.
New SIP
₹2,045
▼ ₹742 vs baseline
Add ₹1L to existing corpus
A one-time top-up reduces the funding gap immediately.
New SIP
₹2,090
▼ ₹697 vs baseline
Reduce goal amount by 10%
Right-size the goal to reduce monthly commitment.
New SIP
₹2,509
▼ ₹279 vs baseline
Financial Decision Simulator
Move each lever. Watch the SIP change live.
₹0
15 years
₹10.00 L
10%
Educational Insights
The concepts behind your numbers
Returns are assumptions for educational purposes only and are not guaranteed.