Life milestone planner
Indians don't invest for a vague percentage — we invest for a wedding, a child's education abroad, a home, or the freedom to retire early. Pick a milestone and we'll show what it really costs in the future, and the exact monthly SIP to get there.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Details
An editable assumption — different goals inflate at different rates.
What it will actually cost:
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A wedding doesn't inflate at the general 6% CPI. Gold, venues and catering have historically run hotter. Foreign education inflates faster still and carries currency risk — a weaker rupee against the dollar or pound raises the bill on top of course-fee inflation. Property tracks construction and land costs that vary sharply by city. Planning every goal at one flat inflation rate quietly understates what you'll need.
That's why each milestone here pre-fills a different, sensible default inflation rate — but every figure stays editable. These are clearly-labelled assumptions, not guarantees; set them to your own estimate. The reasoning is on our methodology page.
You enter what the goal costs today. We inflate it to its future cost, then reverse-solve the monthly SIP — after 12.5% LTCG tax — that actually funds that future bill. So the number you get is what it really takes, not a pre-tax, pre-inflation illusion.
Questions
The inflation rate. Weddings, foreign education and property each tend to inflate faster than general CPI, so this planner pre-fills a higher, milestone-appropriate rate. You can adjust it; it's an editable assumption, not a fixed figure.
No — they're sensible, clearly-labelled defaults based on broad historical trends, not precise forecasts. Wedding ~8%, education ~10%, property ~7%, FIRE ~6%. Always adjust to your own estimate.
Yes. The required SIP is solved so that your post-tax corpus meets the inflated future cost, applying 12.5% LTCG above the ₹1.25 lakh exemption.
It targets a retirement corpus over a long horizon and links to the pension view, where you can see what sustainable monthly income that corpus produces — because a retirement number is meaningless without knowing the income it generates.