Goal-Based Investment Calculator

This is a generic version of the same math — usable for any goal amount and timeframe you specify. The Child Education and Marriage Expense calculators apply the same shortfall/SIP logic but are pre-framed around those specific life events (with education-specific inflation, or a child's age gap, for example).

It projects your current savings forward at your expected return to see how much of the goal they'll cover on their own, then calculates the required monthly SIP only for the remaining shortfall — so existing savings reduce the SIP you need.

The shortfall is floored at zero, meaning the required additional monthly SIP would be zero — your existing savings are projected to be sufficient at the assumed return.

Yes — this tool works for any lump-sum financial goal (a home down payment, a car, a business fund, etc.) since it only needs a goal amount, time horizon, expected return, and existing savings.

No — enter the goal amount already adjusted to what you expect it to cost at the target date. If you need to inflate a current-day cost forward first, use the Inflation Impact Calculator to get that future figure.