Turn an important goal into a practical plan.
Our calculators use realistic assumptions for inflation and market returns to help you estimate the corpus, monthly investment, and funding gap for each goal. No sign-up required.
Choose a goal
Retirement Planning
Calculate how much you need to maintain your lifestyle when you stop working. Accounts for inflation, life expectancy, and existing savings.
Child's Education
Estimate the future cost of higher education, accounting for education inflation, and plan the monthly investment required today.
Home Purchase
Plan for your dream home down payment factoring in property price inflation and indicative EMI on the loan portion.
Wealth Creation
Set a target corpus and find out the monthly SIP — with optional annual step-up — required to achieve it over your chosen horizon.
How these estimates work
Time & Inflation
We adjust the cost of your goal for inflation, turning today's cost into the actual future amount you'll need.
Existing Savings
We project the future value of any savings you've already earmarked for this goal, reducing the final gap.
Month-by-Month SIP
Using exact monthly compounding (and annual step-ups, if applicable), we find the illustrative monthly investment required today.
Planning considerations to explore
Goals are rarely achieved in isolation. The considerations below outline factors that may be relevant depending on your specific timeline and circumstances. None of these constitute a personalised recommendation.
Emergency Reserves
Maintaining adequate liquid reserves is commonly considered a prerequisite before directing surplus toward long-term or illiquid investments.
Typically 3–6 months of essential expenses; exact requirement varies.
Discuss your situationProtection Needs
Protection gaps — including term life and health insurance — are an option to discuss before committing significant savings to a long-term goal.
Not a recommendation for any specific product. Suitability depends on individual circumstances.
Learn about insuranceSaving & Investment Pathways
Market-linked accumulation (like mutual funds) or capital-preservation instruments (like post office schemes) may be explored based on your horizon and risk profile.
Returns are not guaranteed. Market-linked investments are subject to market risks.
Explore mutual fundsExisting Commitments & Overlapping Goals
Calculators view goals in isolation, but real life involves balancing multiple priorities, debts, and income constraints simultaneously.
A holistic discussion can help prioritise competing financial demands.
Discuss your goalsAll pathways listed are for educational and discovery purposes only. They are not personalised financial advice and do not constitute a solicitation to invest. Please consult SM Investments directly to determine suitability for your specific goals and circumstances.
An estimate is just a starting point
Real life involves overlapping goals, existing commitments, and nuances that benefit from a direct conversation. Speak to SM Investments for a holistic view.
Get Started with SM InvestmentsCalculator results are illustrative and based entirely on the values and assumptions entered. Market returns are not fixed or guaranteed. Inflation, costs and actual investment outcomes may differ. These tools do not constitute personalised financial advice or a recommendation of any particular product.