This planner does not inflate. You do.
There is no inflation slider. Required SIP is solved against the Goal Amount you type. If ₹50 lakh is today's down payment, multiply by (1 + i)years first, then type the future sticker. Typing ₹50 lakh as-is plans for 2026 prices on a 2041 date.
Default ₹50 lakh / 15 years / 12% needs about ₹9,909 a month. Inflate 6% first (~₹1.20 crore) and the SIP is about ₹23,750. Do not inflate a broker's already-future quote. Today's rupees versus future rupees.
Type as-is vs inflate first
Motion is the same maths as the worksheet. Reduced-motion browsers skip the grow.
Calculator education
When to use this calculator
Use this page when you already know a rupee target and a date, and you want the monthly SIP (and equivalent lumpsum) that would hit that number at an assumed return.
How to read your result
Required SIP is solved against the Goal Amount you typed. Required lumpsum is the present value of that same target. There is no inflation slider on this planner — you inflate the sticker first if the amount is today’s price.
Default ₹50 lakh / 15 years / 12% is an illustration of the solver, not a recommended house plan.
Key assumptions and limitations
- The target is whatever rupees you enter, with no hidden inflation.
- Return is a constant monthly-compounded rate you type.
- The SIP is assumed to run every month until the goal date.
Common mistakes
- Typing today’s house price for a date years away and not inflating it first.
- Using a 12% equity rate for a goal under three years.
- Inflating a broker quote that is already in future rupees (double inflation).
Related guides
Related calculators
This planner hits the rupee target you type at the return you assume. It does not inflate the goal for you. Full disclaimer.
Author / methodology
What I check on a goal
- Is the amount today’s sticker or a future quote? This planner does not inflate.
- Education often needs 8–12%, not 6% CPI. I use a higher future sticker, not a higher fantasy return.
- Under three years, a 12% equity slider is the wrong rate for that goal.
A goal is a price tag, not a fund category
Education inflation is not CPI. A builder's quote is not today's rupees. This planner does not pick a scheme.
| Goal type | Who sets the future price | What to type here |
|---|---|---|
| Home down payment | The developer and local land prices | Inflate today's ticket yourself, then paste the future number |
| Child education | The college; often 8–12% not 6% CPI | A higher future sticker than the retirement page's CPI |
| Wedding / trip | You and the market for that service | If the date is under 3 years, a 12% equity slider is the wrong rate |
Presets on this page are today's round numbers. They are not inflated until you do it.
The planner does not inflate. You type the future target.