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About the Goal Planning Calculator
Most people invest a number that feels right and hope it is enough. Goal planning works the other way: fix the target and the date, adjust for inflation, and solve for the monthly investment that actually gets you there.
The inflation adjustment is what makes the answer honest. A ₹50 lakh education cost today is closer to ₹90 lakh in ten years at 6% inflation, and planning against the ₹50 lakh figure guarantees a shortfall exactly when you need the money.
The formula
Existing savings are grown at the same expected return and netted off the target first.
Things worth knowing
Frequently asked questions
At 12% over fifteen years, roughly ₹20,000 a month. Over ten years it is closer to ₹43,000, and over twenty years about ₹10,000. Time does far more of the work than the amount does.
Because the cost of the thing you are saving for rises too. Planning against today's price guarantees a shortfall — the adjusted target is what you actually need on the day.
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