Core
Mutual Funds
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Home › Calculators › Goal Planner
Most calculators start with what you can invest and tell you where you end up. This one runs the other way: tell it the amount you need and the year you need it, and it works out the monthly SIP that gets you there.
Anything you have already saved stays invested at the same expected return for the whole period. New investments go in at the start of each month and compound monthly.
to reach your goal in 10 years
Illustration only, based on the assumptions you enter. Not a projection or guarantee of returns. Does not account for taxes, exit loads or expenses.
| Year | Invested this year | Total invested | Value at year end |
|---|
A number is a start. Which schemes suit a ten-year goal are different from a three-year one, and the mix matters as the date gets closer. Send us your figures and we will map it out.
The calculator takes your target, subtracts what your existing savings will have grown into by then, and works out the monthly instalment needed to fill the remaining gap at the return you have assumed.
It is the SIP future value formula rearranged to solve for the instalment:
P = Gap ÷ { [ ((1 + i)n − 1) ÷ i ] × (1 + i) }
The lumpsum figure is the same gap discounted back to today at the same rate, answering a different question: what single amount, invested now, reaches the target without any monthly investing.
This is the mistake worth avoiding. If a goal costs ₹50 lakh at today's prices and it is fifteen years away, ₹50 lakh will not be enough when you get there. Work out the future cost first using the Inflation Calculator and enter that figure here. For education and weddings specifically, the Child Education and Child Marriage calculators do that step for you.
It happens, and it is useful information rather than a failure. You have four levers: invest more each month, allow more years, accept a smaller target, or assume a higher return. The last one is the tempting choice and the wrong one — raising the assumed return does not change what the market delivers, it only makes the plan look better on screen. Adjusting the timeline or the target is the honest response.
Nidhish Investments, founded by Nimesh Vala, is an AMFI-registered Mutual Fund Distributor and an APMI-registered PMS Distributor working with families across Gujarat. We distribute three categories of SEBI-regulated products, and the right one depends on the capital you are working with and the risk you can carry.
Core
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Newer category
A SEBI category positioned between Mutual Funds and PMS. SIF strategies have wider freedom in how they are run, including the use of derivatives, and carry higher risk than conventional Mutual Funds.
Minimum ₹10 lakh
About SIF →Larger portfolios
Securities are held in your own demat account and managed on your behalf by a SEBI-registered portfolio manager, against a defined strategy rather than a pooled scheme.
Minimum ₹50 lakh
About PMS →The future cost. If you enter today's price for something years away, you will systematically under-save. Run the amount through the Inflation Calculator first, then bring that figure back here.
Lower than for a long one, and the reason is not caution for its own sake. Equity needs time to recover from falls, so money required within three years is usually kept in debt or hybrid schemes with lower expected returns. A three-year goal assuming 12% is a plan with a known weak point.
Yes, and that is what the 'already saved' field is for. Enter what you have set aside, and the calculator only asks the SIP to cover the remaining gap. If you plan to add a lumpsum later rather than now, tell us and we will model it.
Adjust the period or the target rather than the return assumption. Adding three years to a goal usually reduces the required instalment far more than people expect. Starting with what you can afford and stepping it up annually is also better than not starting.
Yes, at least once a year. Returns will not arrive exactly as assumed, so you may be ahead or behind. Reviewing lets you correct with a small adjustment early rather than a large one late. As the goal date approaches, moving the accumulated amount into lower-volatility schemes protects what you have built.
Statutory disclosures and risk disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nidhish Investments is an AMFI-registered Mutual Fund Distributor holding ARN-364347, and an APMI-registered Portfolio Management Services Distributor holding APRN-10163. We act solely as a distributor of investment products. We are not registered with SEBI as an Investment Adviser and do not provide investment advice, financial planning or portfolio management services.
This calculator is provided for illustration only. It uses the assumptions you enter and does not constitute a projection or guarantee of returns. It does not account for taxes, exit loads, expenses or changes in regulation. Past performance of any scheme, strategy or portfolio manager is not indicative of future results, and no returns are assured or guaranteed.
As a distributor, Nidhish Investments receives commission or brokerage from Asset Management Companies and portfolio managers on investments made through us. Details of commission earned on any product will be disclosed to you on request. Investors are advised to consult their own tax and legal professionals before investing. Registration status can be independently verified on the AMFI and APMI websites.