Life Goals Planner

Plan your big dreams, your retirement, and see what inflation does to your money, all in one place. Simple maths, your own assumptions.

Your assumptions

How fast prices rise. 6% is a moderate example.
Assumed, not guaranteed. Change it to match how you plan to save.

Your goals

Tap to add a goal, then edit the name, today’s cost and how many years away it is.

Your life timeline

Total to save every month for all goals
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1. About you

Planning for a long life is the safer choice.
What you spend now on living costs, not counting EMIs that will end before retirement.

2. Your assumptions

Example only, not guaranteed.
Usually lower, as money is kept safer once you retire.

Your retirement plan

Monthly expenses at retirement
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Retirement fund (corpus) needed
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Save every month from now
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How your retirement fund could grow and then support you

Building up (you save)Retired (you withdraw)

What this means, in plain words

    Step into the ₹ Time Machine

    Try an everyday example, or type your own amount.

    6% is a moderate example, not a forecast. Change it to see the effect.

    Your result

    Cost in the future
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    What today’s money will feel like
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    Saved only on this device, in your browser. Nothing is sent anywhere. These are rough estimates; for personal investment decisions, consider talking to a SEBI-registered investment adviser. Next step on your Money Journey.

    For education only. Not financial advice. Figures are estimates based on your assumptions.

    How to use the Goal Planner

    1. Enter your age and check the two assumptions: inflation and the yearly return on your savings.
    2. Tap a goal to add it, such as child’s education, wedding, home down payment, car or dream trip.
    3. Edit its name, what it would cost today, and how many years away it is.
    4. Read the future cost and the monthly saving for each goal. The timeline shows when each goal arrives.
    5. See the total monthly saving for all your goals at the bottom.

    Worked example

    Kavya is 30. She has two goals. Her daughter’s higher education would cost ₹15 lakh today, and it is 12 years away. She also wants ₹15 lakh for a home down payment in 5 years.

    At an assumed 6% inflation, the education goal becomes about ₹30.18 lakh. The down payment becomes about ₹20.07 lakh.

    At an assumed 8% return, she would save about ₹12,550 a month for education. For the home, she would save about ₹27,319 a month.

    Together that is about ₹39,869 a month. If that feels too much, she can start with one goal. Or she can move the home goal a little later.

    Planning the big three

    • Child’s education: fees often rise faster than everyday prices. You can try a higher inflation figure for this goal to stay on the safe side.
    • Wedding: decide what matters most to your family first. A ₹10 lakh wedding 8 years away becomes about ₹15.94 lakh at 6% inflation, or about ₹11,906 a month.
    • Home down payment: this goal is often near, so there is less time for growth. Keep the money for it in a safe place as the date comes close.
    • Keep a separate emergency fund. Then a surprise bill will not eat into your goal savings.

    Why a date and an amount help

    “I should save more” is hard to act on. “₹12,550 a month for 12 years” is a clear task.

    Breaking a big goal into a monthly amount makes it feel possible. It also shows which goals compete for the same money.

    Questions people ask

    Why does the future cost look so much higher?

    Prices usually rise each year. The planner adds your inflation assumption to today’s cost. See this for any amount in the ₹ Time Machine.

    Can I plan more than one goal?

    Yes, up to 10 goals at once. The planner adds them up so you see the full monthly picture.

    Is the return figure a promise?

    No. It is your own assumption and real returns can differ. For investment choices, speak to a SEBI-registered investment adviser. For retirement, use the Retirement Planner.

    This content is for general education only and is not financial, investment, tax or legal advice. Please consult a qualified professional before making financial decisions.