Goal Planner Calculator
Most people save toward several goals at once, a home, a child’s education, retirement, without ever seeing the combined monthly commitment those goals actually require. This calculator lets you add up to 15 goals side by side, inflates each one to its real future cost, and shows exactly what SIP you’d need to fund every one of them.
What is a Goal Planner Calculator?
A goal planner calculator projects the future, inflation-adjusted cost of each financial goal you add, compares it against what your existing savings for that goal will grow to, and calculates the required monthly SIP, or a lumpsum alternative, needed to close the gap by your target date. Presets for common goals like retirement, a home, or a child’s education help pre-fill realistic targets and timelines.
Goals Aren't Saved After You Refresh the Page
This calculator’s own disclaimer notes your goal list isn’t saved after you refresh, which means every session starts from zero. Families juggling several shared goals, a child’s education alongside a home down payment alongside both parents’ retirement, need a plan that persists and updates as actual savings grow, not one that has to be rebuilt from memory each time.
How WealthNest.AI Helps Beyond This Calculator
WealthNest.AI tracks your family’s actual savings and SIPs against your goals automatically, so your funding gap updates on its own as your real investments grow, instead of resetting every time you close the browser tab.
See this alongside every other account your family holds, all in one place. Download the WealthNest.AI app to get started.
Frequently Asked Questions
Up to 15 goals, added individually or pre-filled using quick-add presets for common goals like retirement, a home, child's education, a car, a wedding, or a vacation.
Because the price of a future goal, like a car or a home, rises with inflation, while your invested savings typically grow faster than inflation. Modelling both rates separately gives a more accurate funding gap than growing everything at one rate.
The required SIP is the monthly investment needed to close the funding gap by your goal date. The lumpsum alternative is the present value of that same gap, what you'd need to invest today as a single amount instead.
No, it applies one blended return and inflation rate across all goals. The page's own disclaimer notes that short-term goals should typically sit in safer instruments than long-term ones, which this calculator doesn't differentiate.
This calculator's goal list resets on refresh. WealthNest.AI tracks your actual ongoing SIPs and savings automatically once your accounts are aggregated, giving you a persistent view of progress toward your goals.
