Goal Calculator with Inflation
Enter what your goal costs today, when you need the money and what you are already saving. The calculator adjusts the goal for inflation and shows the gap in simple numbers.
Tell us about your goal
Use your own numbers. Inflation and growth are only assumptions for this calculation.
Your goal
Money already going toward this goal
Estimated cost when you need the money
Based on today's cost, the time left and the inflation assumption you entered.
This is an estimate, not a prediction.
Where your current plan may reach
What this means
What if things are a little tougher?
These are only two quick checks. They help you see how much the result depends on your assumptions.
What will this calculator tell me?
It first estimates what your goal may cost in the future after inflation.
It then looks at the money already saved and the amount you are already adding every month. If there is still a gap, it estimates how much more would need to be added each month under the assumptions you entered.
Why do I enter the cost today?
It is usually easier to estimate what something costs today than to guess its price 10 or 15 years from now.
The calculator uses your inflation assumption to turn today's cost into an estimated future cost.
What money should I include as already saved?
Include only money that you have actually set aside for this goal.
If the same money is meant for an emergency fund or another goal, counting it here as well can make the result look better than your real position.
What does assumed annual growth mean?
It is simply a number you choose so the calculator can estimate how the money might grow.
It is not a forecast or guaranteed return. Try changing it and see how much the result changes.
Why does the calculator show two tougher cases?
A goal plan can look comfortable if inflation stays low or growth stays high. Real life may be different.
So the calculator also shows what happens if inflation is 2 percentage points higher or the growth assumption is 2 percentage points lower. These are examples for comparison, not predictions.
How is the monthly amount calculated?
First, today's goal cost is increased by your inflation assumption for the number of years you entered.
The money already saved is grown using your growth assumption. The current monthly amount is also projected to the goal date. The calculator subtracts both from the estimated future goal cost.
If money is still needed, that gap is converted into an estimated extra monthly amount using the same growth assumption and time left.
Important things to remember
Actual inflation, investment returns and the final cost of your goal can be different from the assumptions used here.
The calculator does not include taxes, investment costs or any product-specific rules.
The calculation happens in your browser. No phone number, email or PAN is needed.
About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.