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Goal Planning Calculator

v1.3

Plan how long it takes to reach a financial goal given current savings, monthly investment and expected return.

Last updated · Last reviewed

Inputs

INR
INR
INR
%

Result

Time Required

10.2 years

To reach ₹5,000,000.00 at 12%

Future Value Projection₹5,000,000.00
Monthly Investment₹20,000.00
Starting Corpus₹200,000.00

Saved calculations remain on this device unless you choose to share them. No tracking, no account needed.

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Formula

Formula (solve for t): FV = S × (1 + r)^t + M × 12 × [((1 + r)^t − 1) / r] ≥ Target Variable definitions: • Target = Goal amount (future value desired) • S = Current savings • M = Monthly investment • r = Expected annual return (decimal) • t = Time required (years), solved numerically

How it works

The Goal Planning Calculator estimates the time you need to reach a financial target given a starting corpus, a monthly SIP and an expected annual return.

Example

Example: Example: Target ₹50,00,000, current savings ₹2,00,000, ₹20,000/month at 12%. → Approximately 10 years to reach the goal; future value at that point matches the target.

Trust & Accuracy

Formula verified

Verified against standard mathematical and financial conventions.

Last reviewed

June 27, 2026

Accuracy tested

Edge cases tested, formula validation and manual verification completed.

Available for

United States, Canada, United Kingdom, Australia, India, European Union.

Currency support

USD · INR · CAD · AUD · GBP · EUR

Privacy

No information entered into this calculator is stored on our servers unless you explicitly choose to save or share your calculation.

Print, share & save

Use the Save, Share, Copy, PDF, CSV and Print actions under the result panel.

Accessibility

Keyboard navigable, screen-reader friendly labels, responsive on mobile and desktop.

Learn more: How we verify formulas · How we test accuracy · Methodology · Editorial policy

Recent Updates

We continuously review and improve our calculators to keep formulas, assumptions and references accurate.

View change log (4)Show
  1. v1.3

    Added Trust & Accuracy panel and machine-readable change log.

  2. v1.2

    Added Save, Share, PDF, CSV and Print actions to results.

  3. v1.1

    Added global currency selector (USD, INR, CAD, AUD, GBP, EUR).

  4. v1.0

    Initial calculator release with verified formulas and Official Sources.

Frequently Asked Questions

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.