🎯 Smart Goal-Based SIP Planning
👶 Child’s Education
Plan ahead for your child’s education with inflation-proof SIPs.
🏠 Dream Home
Save strategically for your future home through disciplined investing.
👵 Retirement
Build your retirement fund with steady, inflation-aware SIPs.
✈️ Vacation Planning
Make your dream holiday come true with monthly planning.
🚗 Car Purchase
Plan for your next car by investing in a smart SIP strategy.
💼 Business Capital
Start or grow your business by building investment capital.
💒 Marriage Planning
Prepare for wedding expenses with focused savings plans.
📚 Higher Studies
Fund your or your child’s studies abroad through SIP discipline.
❓ Frequently Asked Questions (FAQs)
1. What is Goal-Based SIP Planning?
Goal-based SIP planning helps you invest regularly to achieve specific financial goals like retirement, education, or buying a home, with inflation and time horizon in mind.
2. How is this different from a regular SIP calculator?
This tool accounts for future cost of your goal (via inflation adjustment) and includes step-up options to simulate increasing SIPs annually, making it more realistic and goal-focused.
3. What is the meaning of “Inflation-Adjusted Goal Cost”?
It’s the future value of your goal, assuming a certain annual inflation rate. For example, a ₹10 lakh education cost today might become ₹18–20 lakhs in 10 years.
4. What is Step-Up SIP?
Step-Up SIP allows you to increase your monthly SIP every year by a fixed percentage (e.g., 10%) to match your growing income and enhance your investment potential.
5. Can I start investing immediately after calculating?
Yes! After calculating, you can click “Start with this Goal” to begin your SIP on our secure, Stock Exchange–integrated investment platform.
6. Is SIP investment safe?
SIPs invest in mutual funds, which are subject to market risks. While they are not guaranteed, SIPs help reduce risk through disciplined, long-term investing.
7. What happens if I miss a SIP payment?
If you miss a payment, your investment won’t be deducted for that month. But missing multiple SIPs may impact your goal corpus. Most platforms offer auto-debit for convenience.
8. Can I invest for multiple goals at once?
Absolutely! You can create separate SIPs for each goal like retirement, vacation, education, etc., and track them individually through our platform.
9. Can I edit or pause my SIP later?
Yes. SIPs on our platform are flexible – you can pause, modify, or even stop them at any time based on your evolving needs and priorities.
10. Are these calculators SEBI or AMFI approved?
These calculators are for illustration and planning only. They follow standard financial formulas but are not certified by SEBI or AMFI. Always read scheme documents before investing.
This calculator is designed solely for educational and illustrative purposes. It projects potential SIP amounts based on assumed inputs like inflation, return rates, and step-up growth, using standard financial formulas.
- Future Goal Value: FV = PV × (1 + i)n (inflation-adjusted)
- SIP Estimation: Iterative projection based on monthly SIP, return rate, and annual step-up
These estimates are not investment advice or return guarantees. Actual results may vary due to market volatility and individual scheme performance. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.