What is an AI wealth planner?

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.

How much SIP do I need to reach my financial goal?

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.

Can I use this tool for retirement planning in India?

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.

Does SoHo Wealth store my financial information?

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.

Is the suggested asset allocation investment advice?

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.

What return assumptions does the wealth planner use?

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.

Does the calculator adjust my goal for inflation?

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.

How often should I review my financial goal plan?

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.

Free smart planning tool

Turn your next big goal into a clearer wealth roadmap.

Estimate the monthly investment, future corpus and asset mix for one financial goal—in under three minutes.

No sign-up Values stay in your browserNo product recommendations

Step 1 · Define the goal

What are you planning for?

Choose one priority. You can create a separate plan for every major goal.

Your ageyearsGoal amount₹Time availableyears

Goal amount is inExpected annual inflation%

Multi-goal priority lab

When every goal matters, decide what each rupee does first.

Set the amount available across all goals. The lab combines urgency, importance and required SIP to suggest a starting allocation.

Total monthly investment budget

Household risk approach

Today's costAlready savedYearsPriority 1–5

Future target

₹10Cr

SIP required

₹49K

Suggested now

₹49K

Today's costAlready savedYearsPriority 1–5

Future target

₹71L

SIP required

₹19K

Suggested now

₹19K

Priority rule: protect essential near-term goals and retirement adequacy before discretionary goals.

Review all goals

One calculator, four financial goals

Use the financial goal planner for the milestone that matters now.

Retirement planning

Estimate the corpus and monthly SIP needed for financial independence.

Child education planning

Work backwards from a future college or higher-education amount.

Home purchase planning

Build a down-payment corpus without confusing it with retirement money.

Wealth creation

Model a long-term corpus using existing savings and regular investments.

How the financial goal planner works

From a target amount to an actionable monthly number.

1. Define one goal

Choose retirement, education, a home purchase or wealth creation, then set the amount and timeline.

2. Add your starting point

Enter savings already assigned to the goal, your affordable monthly SIP and your comfort with market fluctuations.

3. Review the roadmap

Compare the projected corpus with your goal, see the estimated required SIP and review an illustrative asset mix.

Planning note: A calculator can frame the first conversation, but a robust wealth plan also coordinates inflation, taxation, emergency reserves, insurance, estate considerations and multiple competing goals.

Calculator methodology

How the SIP and corpus projection is calculated.

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.

Illustrative assumptions

Stability First8.0% p.a.

Balanced10.0% p.a.

Growth Focused11.5% p.a.

CompoundingMonthly SIP + annual corpus

Fees and taxesNot included

Reviewed for SoHo Wealth

Financial planning context matters.

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.

About the reviewer

Continue your wealth-planning research

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