My Money

Goal SIP planner

Pick a goal and when you need it. We grow today’s price by inflation and tell you the monthly investment that gets you there.

₹
₹25 lakh
 yrs
 %
Education ~8–10% · General ~5–6%
 %
Equity funds 10–12% over the long run
 %
₹
Start a monthly SIP of
₹9,584
to have ₹79,30,423 for child’s education in 15 years
Cost today
₹25,00,000
Cost in 15 yrs
₹79,30,423
Flat SIP (no step-up)
₹16,663
You’ll invest
₹36,54,059

Your path to the goal

0₹20 L₹40 L₹60 L₹80 LYr 0Yr 3Yr 6Yr 9Yr 12Yr 15
Your savingsMoney put inGoal
Waiting just two years to start would raise the SIP to ₹13,634 a month — 42% more.
How it’s calculated

The maths, in plain words

Future cost

Today’s price × (1 + inflation)ʸᵉᵃʳˢ. Education and healthcare costs usually rise faster than general inflation.

Required SIP

We search for the starting SIP that, with your step-up and expected return, grows to that future cost.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

How much should I save for my child’s education?
If a degree costs ₹25 lakh today and education costs rise 8% a year, it will cost about ₹1 crore in 18 years. At 12% returns that needs roughly ₹14,000 a month, or about ₹7,300 a month to start with a 10% yearly step-up.
Understand it

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SIP & lumpsum

Grow a monthly SIP or a one-time investment — with step-up.

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FD & RD

Fixed and recurring deposit maturity, compounded quarterly.

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PPF calculator

Tax-free PPF growth over 15 years and extensions.

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SWP calculator

A monthly income from your investments — and how long it lasts.

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Sukanya Samriddhi

Tax-free savings for your daughter at 8.2%.

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What return did I get?

Your SIP’s real yearly return (XIRR), or the CAGR of any investment.

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Capital gains tax

Tax on selling shares, mutual funds, gold or property.

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Post office schemes

SCSS, MIS, NSC, KVP, TD and RD — payouts and maturity.

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