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
–

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
–
Retirement fund (corpus) needed
–
Save every month from now
–

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
    –
    What today’s money will feel like
    –

    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 ₹ Time Machine

    1. Tap an everyday example, like a cup of chai, a litre of milk, yearly school fees or monthly rent. Or type your own amount.
    2. Choose how many years into the future you want to look.
    3. Check the inflation rate. 6% a year is a moderate example; the future may be different.
    4. Read the two results: what today’s things will cost later, and what today’s money will feel like then.

    What inflation means for everyday prices

    Inflation is the slow rise in prices over time. The same thali, bus ticket or school fee costs a bit more each year.

    It means each rupee buys a little less every year. Money kept idle does not shrink in number, but it shrinks in what it can buy.

    This is why long-term plans should use future prices, not today’s.

    Worked example

    Anil keeps ₹1 lakh aside for a goal 20 years away. At an assumed 6% inflation, things costing ₹1 lakh today would cost about ₹3.21 lakh then.

    Seen the other way, his ₹1 lakh in 20 years would buy only what about ₹31,180 buys today.

    Small things change too. A ₹15 cup of chai could cost about ₹27 in 10 years. Yearly school fees of ₹80,000 could become about ₹1.92 lakh in 15 years.

    A rough mental shortcut: the rule of 72

    Divide 72 by the inflation rate. The answer is roughly how many years prices take to double.

    At 6%, 72 ÷ 6 = 12 years. The exact figure is about 11.9 years, so the shortcut is close enough for quick checks.

    Use this to plan goals, like a child’s education, with the Goal Planner.

    Questions people ask

    Which inflation rate should I use?

    Use 6% as a starting point, then try 5% and 7% to see a range. Some costs, like education, may rise faster than others.

    Does inflation mean my savings are wasted?

    No. Saving is always useful. Inflation simply means long-term savings need to grow to keep their buying power. For investment choices, speak to a SEBI-registered investment adviser.

    Can I use this for retirement?

    It shows how prices rise. For a full plan, try 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.