Financial Goals · Instrument

Your financial goals, mapped and tested.

Tell us what you’re saving for, by when, and how much. We’ll inflate each goal to the year it falls due, project your portfolio forward, and show you — goal by goal — whether you’re on track or short.

Pick your goals

Tick what applies. You can select as many as you like.

Retirement Post-work income Medical Expense Planning Health reserve Child’s Higher Education College corpus Dream Home Down payment or buy-out Luxury Car Replacement or upgrade International Tour Family travel budget Adventure Tour Trek, dive, safari

Your financial inputs

Where you are today · and your return & inflation assumptions.

01 Existing portfolio ₹ Today’s market value of what you’ve already saved. 02 Monthly SIP ₹ Flat monthly instalment going forward. 03 Expected annual return % CAGR after fund expenses, before tax. 04 Inflation rate % Used to grow each goal cost to its target year.

Your Report

Goals vs. Portfolio · today

Each goal inflated to its target year, your portfolio projected forward with monthly SIPs, then checked for surplus or shortfall.

Goals Selected

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Across your chosen horizon

Total Need (Inflation-Adjusted)

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Projected Portfolio at Last Goal

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Net Position Across All Goals

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Goal Timeline

Sequential · goals funded in order, portfolio drawn down and continues growing.

Goal	Target Year	Needed Today	Needed Then	Portfolio Then	Status

Portfolio Projection

Hover for details · blue line = your portfolio over time, gold dots = goals being funded, dashed line = pure growth without any goals.

Portfolio Statement

Year by year · inflows from your SIP, growth earned, goal payouts as they fall due, and the closing balance carrying into the next year.

Yr	Period	Opening	SIP In	Growth	Goal Payouts	Closing
Totals across horizon			—	—	—	—

Rows highlighted in cream are years when one or more goals are funded. The closing balance of each year becomes the opening balance of the next.

How these numbers are worked out

Each goal’s cost is grown from today to its target year at your inflation rate. A ₹10 L need in 10 years at 8% becomes ₹21.6 L in Year-10 money.
Your portfolio compounds at the equivalent monthly rate derived from your annual return, with the monthly SIP added at the start of each month.
Goals are met in chronological order. The future-value cost of each goal is deducted from the portfolio at that year; whatever remains continues to compound, and SIPs continue, into the next goal.
If a goal cannot be fully funded, the shortfall is shown in red and the portfolio continues from zero (plus ongoing SIPs) into the next goal.
Projections are illustrative, before tax and exit loads, and assume a steady return. Markets move unevenly — treat these as estimates, not promises.

Share this with your family or advisor

Download the full report as a branded PDF.

All your inputs, the full goals table, the projection chart, and the methodology — packaged as a multi-page document, watermarked and ready to share.

Want this reviewed against your actual portfolio and tax situation? Thirty-minute discovery call — no fee.

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About this planner

How the model works

How does sequential goal funding work?

Goals are met in chronological order. Your portfolio grows month-by-month with monthly SIP contributions; at each goal’s target year, that goal’s inflation-adjusted cost is deducted from the portfolio. Whatever remains keeps compounding into the next goal.

Why does my "needed then" figure look so high?

That’s inflation at work. A ₹10 L need in 10 years at 8 % inflation becomes ₹21.6 L in Year-10 rupees. Over 25 years at 8 %, costs roughly 7×. The planner shows both so you can see the silent erosion.

What if a goal falls short — is my plan dead?

Not at all. The planner tells you exactly how much more SIP is needed per month to fund every goal in full. From there you can stretch the goal year, revisit the amount, bring in a lump-sum top-up, or raise your return assumption through a more aggressive asset mix.

What if two goals fall in the same year?

Both costs are deducted in that year, in the order they were entered. The portfolio draws down for the full combined amount before continuing to compound.

Can I share this with my family?

Yes. The Download PDF Report button produces a multi-page branded document with your goals, inflation math, portfolio projection chart, and SIP recommendation — watermarked and ready to share.