Goal Planner

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Goal Planner — Calculator + PDF Summary (Emergency Fund v9 • EF fixed 6% return • Client/Financial • Existing Investments • Auto Allocation • FV • SIP & Lumpsum)

Goal Planner — Calculator + PDF Summary (₹)

Client basics & financials (with Occupation) • Emergency Fund auto-goal planned over 10 years at 6% inflation • Emergency Fund uses a fixed blended expected return of 6% (only for EF) • Existing investments • Horizon-based auto allocation (Debt 6%, Equity 14%, Gold 8%) • Dual outputs: SIP & Lumpsum • Totals & Efficiency recommendations.

Client Details

Financial Details

Emergency Fund is auto-calculated via Occupation & Monthly Income, and planned for 10 years at 6% inflation; EF uses a fixed 6% blended expected return.

Goal Inputs

Tip: Add multiple goals, then switch to PDF Summary to export.
Results (Goals)
FV = PV×(1+i)^n; SIP via PMT; Lumpsum via PV. EF goal uses fixed blended return 6% even though horizon is 10 years.
Goal Current cost (₹) Future value (₹) Blended expected return (% p.a.) Monthly SIP (₹) Lumpsum today (₹) Allocation (D/E/G %) Suggestion
Totals ₹0 ₹0 0.00% ₹0 ₹0 Weighted average blended return is FV‑weighted.

Existing / Old Investments

Existing Investments
Maturity value uses FV for one-time deposits or future value of annuity for periodic modes.
InvestmentTypeRate (% p.a.)InceptionMaturity/YearsMode Investment amt (₹)Current value (₹) Calculated maturity value (₹)
Totals ₹0 ₹0 ₹0
Efficiency & Recommendations
Compares each existing investment’s asset bucket & rate vs horizon-based recommendations.
InvestmentYears to maturityCurrent bucketRecommended (by horizon) Rate vs baselineAlignmentVerdictRecommendation

Summary for PDF

Client & financial snapshot • Goals (incl. EF at 10y/6% infl with 6% blended return) • Existing investments • Totals • Charts • Recommendations

Client & Financial Summary

Goals Snapshot

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Existing Investments

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Efficiency & Recommendations

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Chart: Future Value by Goal

Bars show inflation‑adjusted future costs (₹).

Chart: Monthly SIP by Goal (blended return)

Bars show monthly SIP at each goal's blended return (EF fixed at 6%).

Chart: Lumpsum (PV today) by Goal

Bars show one‑time amount required today (PV) at the goal's blended return (EF fixed at 6%).

Formulae & Notes

  • Future Value: FV = PV × (1 + inflation)^years (Time‑Value of Money).
  • Monthly SIP: PMT(monthly rate, months, 0, FV, type), where type=0 end‑of‑month, type=1 beginning.
  • Lumpsum today (PV): FV / (1 + r)^n (annual) or FV / (1 + r/12)^(12n) (monthly).
  • EF auto-goal: Salary/Pension/Others: 12×Monthly Income; Business: 24×Monthly Income. EF uses fixed 6% blended return, planned for 10 years at 6% inflation.
  • This summary is illustrative; returns are assumptions, not guarantees.
© 2025 Goal Planner — Emergency Fund (10y horizon, fixed 6% blended return) build (v9)