Module H • Goal-Based Corpus & SIP
Goal-Based Corpus & Monthly SIP Planner
Calculate the exact future inflation-adjusted cost of your life goals and the required monthly SIP across conservative, base, and optimistic scenarios. Guardrails ensure short-term goals never gamble in volatile equity.
Goal ParametersInflation-compounded
Current Cost in Today's Value₹25,00,000 (₹25.00 L)
Time Remaining Until Goal10 Years
Existing Savings Already Earmarked for this Goal₹2,00,000
Category Inflation Rate: 10.0% p.a.Higher Education Inflation
Estimated Future Cost in 10 Years
₹64,84,356
₹64.84 L
Monthly SIP Required by Return Scenario
CONSERVATIVE (10.0%)
₹29,398/mo
70% Equity / 30% DebtRECOMMENDED BASE (12.0%)
₹26,135/mo
70% Equity / 30% DebtOPTIMISTIC (14.0%)
₹23,168/mo
70% Equity / 30% DebtHorizon Guardrail: Recommended Portfolio AllocationInflation Growth
Equity: 70% Debt/PPF: 25% Liquid: 5%
• Today's cost of ₹25,00,000 will grow to ₹64,84,356 in 10 years at 10.0% annual inflation.
• Recommended portfolio mix: 70% Equity mutual funds for inflation beating growth, 25% Debt/PPF for stability.