Can Goal Planner replace independent research or professional advice?

No. This page is best used as an educational planning or research aid. You should still verify assumptions, data, context, and suitability for your own situation before acting.

Goal Planner | FabTrader Tools

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Goal planning workspace

Goal Planner

A multi-goal planning calculator that inflates each goal into future rupees, applies horizon-based asset allocation, and estimates the monthly investment needed for the full plan.

Add up to 10 goals, project each target into future rupees using a goal-specific inflation rate, choose the asset-allocation assumptions you want to work with, estimate the monthly investment needed to keep the full plan on track, and download the final detailed goal plan for later use.

Goals

Build the plan goal by goal.

Enter each goal, the cost in today's rupees, the target date, and the savings already set aside for it. The planner then inflates the target, applies the chosen return and allocation assumptions, and solves for the monthly investment required.

Goal 1

The inflation rate defaults from goal type, but you can override it if needed.

Goal nameGoal typeCurrent costDue dateCurrent savingsInflation override (%)

Goal 2

The inflation rate defaults from goal type, but you can override it if needed.

Goal nameGoal typeCurrent costDue dateCurrent savingsInflation override (%)

Move one-time goals to 100% Fixed Income in the final year. This de-risking rule is meant for one-time goals like education, wedding, travel, debt repayment, or a property down payment. It does not apply to retirement, because retirement is an ongoing corpus rather than a one-time expense.

Advanced assumptions

The planner loads with FabTrader's recommended post-tax returns and horizon-wise asset mixes. You can update both the expected return and the allocation split for each horizon, then rerun the plan using your own assumptions.

Asset class	Expected return	Near-term	Short-term	Medium-term	Long-term
Domestic Equity
International Equity
Fixed Income
High-Quality Short-term Debt Funds
Gold
Effective return	Auto-calculated	6.5%	6.5%	7.5%	9.7%
Allocation total	Each horizon should total 100%	100%	100%	100%	100%

Near-term

0 to 1 year

100% Fixed Income

Effective return 6.5%

Short-term

>1 to 3 years

100% High-Quality Short-term Debt Funds

Effective return 6.5%

Medium-term

>3 to 5 years

20% Domestic Equity, 70% High-Quality Short-term Debt Funds, 10% Gold

Effective return 7.5%

Long-term

>5 years

60% Domestic Equity, 10% International Equity, 20% Fixed Income, 10% Gold

Effective return 9.7%

Why goal-specific inflation matters

Many investors use a flat 6% inflation assumption for every goal. That is usually too simplistic. Education, medical costs, travel, property down payments, and major purchases do not all rise at the same pace in the real world, so one standard number can understate some targets and overstate others.

This planner starts with the following goal-specific inflation assumptions for India so the projected future cost is closer to how these expenses typically behave in practice. You can still override the inflation rate goal by goal whenever your situation calls for a different assumption.

Downpayment for Property

Inflation assumption 5.0%

Children Education

Inflation assumption 9.0%

Higher Education

Inflation assumption 8.0%

Retirement

Inflation assumption 7.0%

Travel / Vacation

Inflation assumption 8.0%

Vehicle

Inflation assumption 5.0%

Emergency Corpus

Inflation assumption 5.0%

Major Purchases

Inflation assumption 5.0%

Wedding

Inflation assumption 7.0%

Medical Corpus

Inflation assumption 8.0%

Debt Repayment

Inflation assumption 0.0%

About this tool

Goal Planner

This page helps translate a future goal into a present monthly-investment decision instead of leaving the target as an abstract wish.

Up to 10 goals in one planGoal-type inflation defaults for IndiaCSV export for the final plan

How to use it well

Step 1: Enter the assumptions that best match your situation rather than aiming for false precision.

Step 2: Review the output as a planning scenario, not a guaranteed future outcome.

Step 3: Change one or two variables at a time so you can see which assumptions drive the result.

How the framework works

The calculator first estimates the future cost of the goal using inflation rather than assuming today's price will still be relevant later.

It then adjusts for existing savings and solves for the SIP required to close the remaining gap over the chosen timeline.

Where supported, annual step-up is shown because many real investors increase contributions as income grows.

Best used by

Investors planning education, retirement, home down payments, or other medium- to long-term goals.

People who already have some money set aside and want to know how much further the monthly SIP needs to do.

Visitors comparing a flat SIP versus a gradually increasing one.

Important notes

This page is for educational and informational use only and should not be treated as personal financial advice.

Outputs depend heavily on your assumptions. Small changes to return, inflation, cost, tax, or time-horizon inputs can change the result materially.

The output can look precise, but it is only as good as your inflation and return assumptions.

A very short goal horizon may not support aggressive return expectations.

This calculator does not select products for you. Fund choice, taxation, and asset allocation still matter.

Quick FAQ

What does Goal Planner estimate?

A multi-goal planning calculator that inflates each goal into future rupees, applies horizon-based asset allocation, and estimates the monthly investment needed for the full plan.

Why inflate the goal cost first?

Because a future expense should be planned in future rupees, not current rupees, especially for goals that are several years away.

When is step-up SIP most useful?

It is helpful when you expect income to rise over time and want a plan that starts manageable but becomes stronger as cash flow improves.