Future target
₹10CrSIP required
₹49KSuggested now
₹49KLoading...
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Estimate the monthly investment, future corpus and asset mix for one financial goal—in under three minutes.
Step 1 · Define the goal
Choose one priority. You can create a separate plan for every major goal.
Set the amount available across all goals. The lab combines urgency, importance and required SIP to suggest a starting allocation.
Future target
₹10CrSIP required
₹49KSuggested now
₹49KFuture target
₹71LSIP required
₹19KSuggested now
₹19KPriority rule: protect essential near-term goals and retirement adequacy before discretionary goals.
Review all goalsOne calculator, four financial goals
Estimate the corpus and monthly SIP needed for financial independence.
Work backwards from a future college or higher-education amount.
Build a down-payment corpus without confusing it with retirement money.
Model a long-term corpus using existing savings and regular investments.
How the financial goal planner works
Choose retirement, education, a home purchase or wealth creation, then set the amount and timeline.
Enter savings already assigned to the goal, your affordable monthly SIP and your comfort with market fluctuations.
Compare the projected corpus with your goal, see the estimated required SIP and review an illustrative asset mix.
Calculator methodology
The planner compounds existing savings monthly, adds monthly investments and applies your chosen annual SIP step-up. It then works backwards from the inflation-adjusted target to estimate the starting monthly SIP required over the selected horizon.
The asset mix is a broad educational framework linked to your chosen risk preference. It does not recommend mutual funds, PMS, SIF, AIF or individual securities.
Reviewed for SoHo Wealth
Reviewed by Kiran Dutta, Founder of SoHo Wealth, Columbia MBA and NISM-certified professional. This tool supports education and an initial planning conversation—not a substitute for suitability assessment or regulated advice.
An AI wealth planner turns goal, time-horizon, savings and risk inputs into an illustrative financial roadmap. This version uses transparent planning calculations to estimate a future corpus, required monthly investment and broad asset allocation; it does not select products or replace personal advice.
The required SIP depends on your target amount, current goal-linked savings, time available and assumed return. Enter those values for an instant monthly estimate. Actual returns will vary, so contributions and assumptions should be reviewed regularly.
Yes. Select Retirement, enter the corpus you want, your existing retirement savings and the years remaining. A complete retirement plan should also consider inflation, post-retirement expenses, taxes, insurance and longevity.
Planning calculations run in your browser. Plans are stored only on your device when you explicitly choose Save. If you request an AI explanation, only anonymous planning figures are sent—never your name, PAN, email, phone or account details. Contact information is shared only when you complete the review form and consent.
No. It is an educational starting point based only on the selected risk preference. A suitable allocation requires a review of your complete finances, liquidity, taxes, dependants, insurance, existing holdings and ability to tolerate losses.
The planner uses illustrative annual return assumptions of 8% for Stability First, 10% for Balanced and 11.5% for Growth Focused. These are planning assumptions, not forecasts or guaranteed returns.
Yes. Choose Today's value and the planner compounds your selected inflation rate over the goal horizon, or choose Future target if you already know the amount needed at the goal date. Education and healthcare costs may rise differently from general inflation.
Review a goal plan at least annually and after major changes such as marriage, a new child, a home purchase, job change, inheritance or market-driven shifts in your asset allocation.