बचत लक्ष्य कैलकुलेटर
Savings goal calculator
Know the target and the deadline? Find the monthly amount that gets you there.
Runs in your browser · nothing uploaded
Save every month
₹4,842
- Months
- 120
- Total you will save
- ₹5,81,040
- Existing savings grow to
- ₹0
- Goal
- ₹10,00,000
Formula: monthly = (goal − savings × (1 + i)^n) ÷ [((1 + i)^n − 1) ÷ i × (1 + i)], i = yearly return ÷ 12, n = months
- You invest at the start of each month, same as the SIP calculator, and the return stays constant.
- The monthly amount is rounded up to the next rupee so you don't fall short.
- No tax or charges are deducted.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
How to use it
- 01Enter the goal amount and the years until you need it.
- 02Add what you have already saved and the return you expect.
- 03Read the monthly amount to set aside.
₹10 lakh in 10 years at 12%
Save about ₹4,305 a month
About this tool
Give the goal, the time you have and the return you expect, and the calculator works backwards to the monthly amount. Money you have already saved is allowed to keep growing too. With zero return the answer is simply the gap divided by the number of months.
It uses the same convention as the SIP calculator: you invest at the start of each month and the return compounds monthly at your assumed rate. The monthly figure is rounded up to the next rupee so you do not end up short. If your existing savings already reach the goal, the tool says so.
The return is an assumption, and real returns vary, so a goal that matters, such as a child's education, deserves a safety margin. Inflation is not applied: increase the target if you are pricing a future expense. Runs in your browser, nothing stored.
हिंदी में मदद
लक्ष्य की रकम, समय और अनुमानित रिटर्न डालें और जानें कि हर महीने कितना बचाना होगा। जो पैसा पहले से जमा है उसे भी बढ़ता हुआ माना जाता है। रिटर्न अनुमान है, और महँगाई अलग से जोड़नी होगी।
Questions
How is the monthly amount calculated?
The goal minus what your existing savings will grow to is divided by the future value of ₹1 saved every month at the assumed return.
Does it include inflation?
No. If your goal's price will rise, enter the higher future amount as the target. The inflation calculator helps.
What return should I assume?
Use a rate that matches where the money will sit, such as a deposit rate for a bank FD, and be conservative for market-linked options. It's your assumption, not a promise.
What if I can't afford the monthly amount?
Lengthen the time, lower the target, add what you have already saved, or accept a higher but riskier assumed return, knowing that increases the risk of falling short.