The goal planner asks for a target in rupees. Humans type the number on Zillow-for-India or a wedding WhatsApp quote a today number, then are shocked when the SIP is ₹42,000 a month. The tool inflated the goal to the year of the wedding or the registration. This page is that fork, because I keep seeing people “fix” it by turning inflation off and calling themselves conservative.
Two valid methods, not both
Method A (default on this site): Goal is in today’s rupees. Inflation slider grows it to the target year. SIP is solved against the inflated goal at your expected return. That is the honest “house down payment of ₹50 lakh of today’s purchasing power.”
Method B: You already estimated the future sticker price (broker said ₹80 lakh in 2032). Type ₹80 lakh and set inflation to 0% on the goal, or you grow 80 to something larger and plan for a palace. Method B is fine if your future price is researched. It is not fine if the ₹80 lakh was a vibe.
Education and healthcare inflate faster
Headline 6% is a CPI stub. A foreign-education goal may need 8–10% on the slider even if MOSPI prints 4%. I will not pretend I know your child’s country of study. Type a hotter rate and look at whether the SIP still fits salary. If it does not, the answer is a smaller goal, a later year, a step-up SIP, or a lumpsum from a bonus, SIP vs lumpsum not a higher expected return.
Retirement is the same class of problem with a lifestyle in today’s rupees. Use the retirement calculator for “₹X a month today, growing with inflation after you quit.” Do not mix a retirement corpus from that tool with a goal-planner SIP that assumed a different inflation and a different end date, then add them like grocery items.
Presets are not research
Child education / wedding / house presets fill round numbers so you can see the machine move. Replace them with your quote. A preset ₹25 lakh wedding in 2031 is not your family. The halfway-year marker is “when this constant-return path crosses 50% of the inflated goal.” It is not a date to buy gold.
Read inflation on growwithsip if you want the formula. This page is only: do not double-count, and do not kill inflation to make the SIP pretty.