Savings Goal Calculator
Find out how much you need to save every month to reach your financial goal. Plan for a car, home, vacation, or any target amount.
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Years
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* அனைத்து கணக்கீடுகளும் தோராயமானவை.
முக்கியம் — முடிவெடுக்கும் முன் படியுங்கள்
- Automate your SIP via bank standing instruction or mandate so you never miss a month
- Increase your SIP by 10% every year (step-up SIP) to align with salary growth and beat inflation
- Tax implications matter: equity gains above ₹1.25 lakh attract 12.5% LTCG, and short-term gains are taxed at 20%
- For short-term goals (1-3 years), prefer debt mutual funds or FDs over equity to reduce risk
- For long-term goals (5+ years), equity mutual funds historically deliver 10-12% CAGR in India
- Keep your emergency fund (6 months' expenses) separate — never mix it with goal-based savings
- Distinguish between needs (child education, home) and wants (vacation, gadget) when prioritizing goals
- Always account for inflation when setting your goal amount — ₹10 lakh today may need to be ₹15 lakh in 5 years
இவற்றை புறக்கணித்தால் என்ன நடக்கும்?
- Without a savings plan, goals remain wishes and you end up taking expensive loans
- Starting late drastically increases the monthly amount needed due to less compounding time
- Ignoring inflation means your saved corpus may fall short of the actual future cost
- Mixing goal funds with general savings leads to accidental spending and missed targets
- Not diversifying across asset classes exposes your goal corpus to unnecessary market risk
புத்திசாலி குறிப்புகள்
- Start with even a small SIP — ₹500/month is better than waiting for the perfect amount
- Use step-up SIP: increase your monthly investment by 10% every year for significantly faster goal achievement
- Match the investment type to the goal horizon — debt for short-term, equity for long-term
- Set up separate folios or accounts for each goal so you can track progress individually
- Review and adjust your savings plan annually to account for income changes and inflation
அடிக்கடி கேட்கப்படும் கேள்விகள்
மேலும் நிதி கருவிகள்
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