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Multiple-Goal SIP Calculator

Plan all your goals together, not one at a time. Name each goal, enter its target and timeline, and compare the combined monthly SIP with the surplus your household can actually invest.

Multiple-Goal SIP Calculator

Plan several goals together and compare their combined monthly SIP with your investable cash flow.

Enter each goal amount in the blank gray field. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Goal 1

Monthly SIP₹0

Goal 2

Monthly SIP₹0

Goal 3

Monthly SIP₹0
Goal 1 · Unnamed goal (0%)
₹0
Goal 2 · Unnamed goal (0%)
₹0
Goal 3 · Unnamed goal (0%)
₹0
Combined monthly SIP required
₹0
Available monthly for all goals
₹0
Room after all goals
₹0
Total invested across goals
₹0

Your free household surplus is the shared budget for retirement and every other goal. Prioritise essential and time-bound goals, then fit flexible goals within what remains—without counting the same surplus twice. Use inflation-adjusted target amounts for goals more than five years away.

How to use this calculator

  • Add and name every important goal, then enter an inflation-adjusted target amount for each one.
  • Match each return assumption to its horizon — lower for goals under five years.
  • Compare the combined SIP with the investable surplus from Household Cash Flow, then prioritise essential goals if there is a shortfall.

Frequently asked questions

How do I adjust each goal for inflation?
Grow today's cost by an inflation rate before entering it — roughly 6% a year for household costs and closer to 8–10% for education and healthcare.
What return should I use for different goal timelines?
For goals under three years, use debt-like returns of 6–7% and keep the money out of equity. Equity assumptions belong to goals seven years or more away.
What if the combined SIP is more than my monthly surplus?
Fund essential and inflexible goals first, extend timelines where possible, reduce flexible target amounts, and increase contributions as income rises. Do not allocate the same surplus to both retirement and another goal.

Turn this number into an actual roadmap

A calculator gives you a target. Getting there needs the right asset mix, insurance in place first, and a review every six months. The first consultation is free.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.