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AMFI-registered MFD · ARN-286779

Goal-based investing and SIPs

A plan for every big goal you’re saving for.

Saving every month for something big? We work out what your goal will really cost, and the monthly amount that gets you there, even through bad years.

Book a review callTry the calculator
Your child’s educationIn 2041

₹16,100 a month

Gets you there: ₹ 25 lakh today is ₹ 1.04 crore by 2041

Today2041What it costsYour savingsGoal reached
It will cost, in 2041
₹ 1.04 crore
Saved so far
₹ 5 lakh
Start in 2029
₹ 25,400/mo

Your child’s education

₹41.8 lakh in 15 years

For ₹10 lakh today. Fees rise about 10% a year.

Your home

₹27.6 lakh in 15 years

For ₹10 lakh today. Prices rise about 7% a year.

A wedding

₹27.6 lakh in 15 years

For ₹10 lakh today. Costs rise about 7% a year.

Your retirement

₹24 lakh in 15 years

For ₹10 lakh today. Prices rise about 6% a year.

How the plan works

Your plan has to survive a bad year.

Markets fall. These rules keep your plan standing when they do.

Tested at a lower return

So you know how much room your plan has before markets test it.

Your SIP keeps going in a fall

Agreed in advance: a falling market is when your monthly amount buys the most.

Steadier as your goal gets close

Money you need soon moves, step by step, into steadier funds.

Free goal SIP calculator

What will it cost, and what do you put away?

Put in the goal, the year you need it, what it costs today, and what you have saved so far.

Your goal

What are you saving for?
₹ 25 lakh
₹ 5 lakh

Worked out at our model portfolio’s actual average return over the past 10 years, about 13% a year: four equity and two debt funds held 50:50. Not an assumed rate. Past performance may or may not be sustained in future.

Your result

₹ 16,100 a month gets you there.

Start in 2029 instead, and it’s ₹ 25,400 a month.

It will cost, in 2041
₹ 1.04 crore
Your savings grow to
₹ 29 lakh
Left to cover
₹ 75.4 lakh
Each yearYour planWhat the goal costs
0₹ 61.8 lakh₹ 1.24 croreYear 5Year 10Year 15
How this is worked outShow

Month by month, with each fund in the model portfolio growing at its own average monthly return over the past 10 years. What you have saved is invested now; the monthly amount is the least that leaves the goal’s cost after tax when everything is sold in the year you need it. The chart shows the plan before tax. Real returns go up and down, and the next 10 years could be quite different.

Tax on selling: 20% on equity gains held 12 months or less, 12.5% after, and 30% on debt-fund gains. The yearly equity-gains exemption, cess and surcharge are not included. An illustration, not a forecast or a promise of returns.

Want us to check these numbers?

Leave your details and we will set up a 20-minute review call: what this goal really needs, and how it fits with everything else you are saving for. No product is named.

Or pick a time yourself

Used only to reply to you. Never sold or shared.

Already know what you can save each month? See what it grows to in our SIP calculator

Next

After the calculator, here’s what happens.

  1. 1

    Book a review call

    Twenty minutes on your numbers. Nothing is sold.

  2. 2

    Get your one-page plan

    What to do, and why, explained to you in person.

  3. 3

    Invest with confidence

    In your own name, after a suitability check, and reviewed with you every year.

You start with your numbers, not a product. The plan is where we earn your business.

Client situations

Situations like yours, and how the plan came together.

Illustrations drawn from the situations we work with. No names, and no returns.

Wealth Builder · An illustration

Two children, two education goals

A doctor couple in their late thirties, Guntur

Two children, aged 6 and 9, and savings spread across an endowment policy, an RD and a few funds bought at different times, without a target for any of them.

Now: Two monthly amounts, one per child, raised a little each year with their income. A yearly review against both dates.

Goal calculator

Wealth Builder · An illustration

Started saving for retirement late

A software engineer, 41, in Hyderabad

A good salary, most savings in a bank account, and a handful of shares bought on tips. Retirement felt far away until a colleague retired early.

Now: A buffer in place, one retirement SIP running, and a yearly check of where it stands against the number.

Retirement calculator
What they asked, and what each plan set out

FAQs

Your questions about saving for goals.

What returns does the calculator use?
Each fund in our model portfolio, four equity funds and two debt funds held 50:50, grows at its own actual average return over the past 10 years: about 13% a year for the portfolio as a whole. Not a rate we assumed. Past performance may or may not be sustained in future. In a review call we also test your plan at lower returns, so you know how much room it has.
Why does starting later cost so much more?
Money put in early has longer to compound. Starting three years late means fewer months to save and less time for growth, so each month has to carry more of the load.
Can I plan for more than one goal?
Yes. Run the calculator once for each goal. In the review we bring them together into one plan, so the monthly amounts and timelines fit your income.
What happens as the goal gets close?
Money you need within a few years should not depend on the market. As each goal approaches, its money moves step by step into steadier funds.
How much do I need to start?
Many schemes accept SIPs of a few hundred rupees a month; each scheme’s documents set its minimum. What matters more is the amount your goal needs, which is what the calculator tells you.
SIP or Sukanya Samriddhi for a daughter’s education?
They do different jobs and can sit together. Sukanya Samriddhi is a government scheme for a daughter, with a rate set every quarter and tax-free returns; a SIP in mutual funds can grow faster over long periods but moves with markets. Many families use both for the same goal.
Can I open a SIP in my child’s name?
Yes. A minor can hold a mutual fund folio with a parent or legal guardian operating it. When the child turns 18, the folio changes over to them, with their own KYC and bank account.
How much should I step up my SIP each year?
In line with your income, often 5% to 10% a year. A step-up lets you start with a smaller amount and still reach the goal; the SIP calculator shows how much difference it makes.

Your next step

Know your money will do what you need it to.

  • Twenty minutes, on your own numbers
  • Online or in person
  • Nothing sold
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