Goal Calculator
Determine the monthly investments you need to make to reach a particular goal by using our goal calculator.
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What is a Goal Calculator?
A Goal Calculator helps you figure out how much you need to invest regularly to achieve your financial goals — whether it's buying a car, planning a wedding, saving for your child's education, or building your retirement fund.
It tells you how much you should invest each month or as a lump sum to reach a specific amount in the future, based on expected returns and time frame.
Why Use a Goal Calculator?
Setting a goal is easy. Achieving it takes planning. Behtari's Goal Calculator helps you:
🎯 Identify how much your goal will cost in the future (adjusted for inflation)
💸 Calculate how much you need to invest every month or one-time
📈 Estimate future investment value using compound interest
✅ Stay on track with your savings and investment journey
What Inputs Do You Need?
Our calculator works by factoring in:
• Your target amount (e.g. Rs. 1,000,000 for a house down payment)
• Your time horizon (e.g. 5 years)
• Expected annual return from your investment (e.g. 12%)
How Does the Goal Calculator Work?
To calculate the required monthly investment (SIP), the calculator uses the standard future value of SIP formula:
P = FV × [i / ((1 + i)ⁿ - 1)]
Where:
P = Monthly investment required
FV = Future value or goal amount
i = Monthly interest rate = Annual interest ÷ 12 ÷ 100
n = Total number of months = Time period × 12
Example:
Let's say:
• You want Rs. 1,000,000 in 5 years
• You expect an annual return of 12%
Then:
• FV = Rs. 1,000,000
• i = 12% ÷ 12 ÷ 100 = 0.01
• n = 5 × 12 = 60 months
Now apply the formula:
P = 1,000,000 × [0.01 / ((1 + 0.01)⁶⁰ - 1)]
P = 1,000,000 × [0.01 / (1.816 - 1)]
P = 1,000,000 × 0.01225 = Rs. 12,250
So, to reach Rs. 1 million in 5 years, you need to invest around Rs. 12,250 per month.
Note: This is an estimate. Investment returns are not guaranteed and may vary based on market conditions.
Frequently Asked Questions
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