Shri Sai Praasad Services
AMFI-registered mutual fund distributor · ARN-82367 · EUIN E068029
What will this goal cost, and what must I save?
Prepared 27 October 2026
Any goal
What will this goal cost, and what must I save?
Put inflation on a target and find the monthly saving that reaches it, counting what you have already put aside.
Monthly saving to reach it
₹33,036/mo
Only money earmarked for this goal. Counting the same corpus twice is how a plan quietly fails.
- Costs today
- ₹50.0 L
- Costs in 10 years
- ₹89.5 L
- What you hold grows to
- ₹15.5 L
- Still to fund
- ₹74.0 L
₹50,00,000 today becomes ₹89.5 L in 10 years at 6% inflation. That gap — not the headline figure — is what the monthly saving has to close.
What this assumes
- Target inflated
- Every year until the date
- Existing savings
- Grow at the same expected return
- Contributions
- Monthly, flat
- Returns
- Constant, as you set them
What it does not account for
- Tax on redemption, which reduces what actually reaches the goal.
- Any step-up in the monthly amount as your income rises.
- That inflation is not uniform. A wedding, a house and a degree inflate at different rates.
- Sequence of returns. The same average through a different path can leave you short at the date that matters.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Shri Sai Praasad Services is the practice of two AMFI-registered mutual fund distributors — Hemant Shridhar Kulkarni (ARN-82367) and Hemangi Hemant Kulkarni (ARN-157202) — neither of whom is a SEBI-registered investment adviser. They earn commission from asset management companies on the schemes they distribute, do not charge a fee for distribution, and do not guarantee returns. Insurance is offered under a separate registration from the mutual fund distribution business.
+91 94049 52882 · kulkarnihemanta@gmail.com · shrisaipraasad.example.com
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.