Goal plan
Save a home down payment through a disciplined SIP, planned against inflation in property prices.
A down payment is usually a 5–8 year goal, long enough for equity SIPs to work but short enough that you should review the plan as you approach the target. The solver defaults to a ₹30 lakh down payment over 7 years.
Property prices inflate too, so a down payment that's 20% of today's price may be a smaller share of the future price. If you're targeting a percentage of a property's value, set the target in today's money and let the solver inflate it.
As you near the goal, consider gradually shifting accumulated gains into safer instruments so a late market dip doesn't force you to delay the purchase.