Financial goal calculator

It's great to have a financial goal and a time frame to reach it in. All you need to figure now is how much you should be investing in order to get there. Key in your goal amount below, and the rate of return you expect from your portfolio over the term of your investment, and find out how much you need to be SIPping to get there.


Results shown for illustrative purpose only and should not be construed as investment advice.

Financial goal calculator

What does the financial goal calculator calculate?

Financial goals are the priorities and targets you set for how you want to save money for future. Financial goals are unique to each person, because everyone has different priorities. Financial goals can be those such as buying a house, buying a car, education for their children, or retirement planning and so on. When you are saving for the future, an aspect that always needs to be considered is inflation. Inflation means that an amount that is sufficient to meet a goal today – say the down payment for a home – will be very different from the amount in say five years. Inflation is the rise in prices and this reduces the buying power of money over the years.

This financial goal calculator will help you know  what your goal amount should be. It takes into account the amount needed for a particular goal today, accounts for the inflation to tell you what your goal amount should be. The financial goal calculator also tells you how much you will need to save each month in order to reach that goal amount. The financial goal calculator helps you to keep the big picture in mind rather than getting bogged down with day-to-day.

How should you use the financial goal calculator?

Financial goal calculator will help you plan for any financial goal you may have.The following are inputs required.

  • Financial goal in today’s value. This is the amount you need to fulfil a particular goal if you were to do it today. For example, if your goal is to buy a car, then you consider the price of the car today.
  • Number of years to reach the goal.
  • Expected inflation. This is the rate at which general prices of goods and services are expected to increase every year. You can either use inflation rates specific to your goal, or simply use an average of the overall headline inflation numbers. This will help calculate what your target goal amount should be.
  • Expected returns from investments. This is the return you expect your investments to earn. While it can be tempting to use high returns or just the latest 1-year returns, know that you need to be realistic.


Once you key in the inputs, the financial goal calculator will provide the following information with which you can design your portfolio and begin realising that goal. The output of the financial goal calculator will be as below:

  • The estimated future amount that is the money you need at the end of the period to meet the desired financial goal
  • The monthly investment needed in order to achieve the goal.

How does the financial goal calculator help?

  • The financial goal calculator helps estimate what your goal amount should be keeping in mind the rate of inflation and years you have before you need the money.
  • It is far easier to know what the current value of any goal is – such as down payment for a home, buying a car, going on vacation etc. The financial goal calculator helps you take this easy-to-know amount and work out what you actually need.
  • Breaking down a big sum into smaller monthly investments makes it more attainable and easier to manage. The financial goal calculator helps you know how much you need to invest each month to get to your financial destination.
  • It helps to plan the finances better
  • The financial goal calculator gives you a complete picture on how much to save, how much money will be required to build the corpus, how much more to invest and acts as a guide on financial planning 

How to invest for financial goals?

Financial goals are different for different people. So in order to suit each of the specific needs, PrimeInvestor has designed different portfolios for a variety of goals. Based on what you’re looking for, you can pick the portfolio that suits you best. You can use the ‘Follow’ feature to be alerted on any changes we make to the portfolios. You can begin investing in these readymade portfolios right away, whether you wish to invest through an SIP or through lump-sum.

If you do not wish to use pre-built portfolios and want to design one yourself, you can use our recommended investment lists. If you are interested only in mutual funds to build your portfolio, you can use Prime Funds. This is our recommended mutual fund list across categories. Prime Funds is bucketed based on risk level and time-frame required. Each Prime Fund is unique and this allows you to build a diversified portfolio with minimal effort.

If you wish to move beyond mutual funds and use other products, we have recommendations for such products as well. For ETFs, whether broad-market, strategic, sector, or debt, Prime ETFs cover them all. The ETFs pass filters on trading volumes and tracking error and can be good additions to a portfolio.

For fixed-income alternatives, Prime Deposits is our list of deposits curated based on the risk-reward of each deposit. It comes with different time frames and whether you need regular income or growth. This makes it easy for you to choose the deposit with the optimal risk and return for your time frame.

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