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Financial Goal Planner
Plan and prioritize your financial goals with systematic investment planning
Total Goals
2
Active goals
Current Savings
₹1,50,000
Across all goals
Required SIP
₹20,019
Monthly investment
Feasibility
99.9%
Deficit: ₹19
Your Financial Profile
₹
₹
20.0% of income
Add New Goal
Your Financial Goals
2 goals • ₹20,019/month needed
🚨
Emergency Fund
HIGH Priority • 2 years
Target Amount
₹5,00,000
Current Savings
₹50,000
Required Monthly SIP
₹17,141
Progress 10.0%
Recommended Allocation:
Debt funds (60%)FD/PPF (30%)Liquid funds (10%)
🎓
Child Education
HIGH Priority • 15 years
Target Amount
₹20,00,000
Current Savings
₹1,00,000
Required Monthly SIP
₹2,879
Progress 5.0%
Recommended Allocation:
Equity funds (70%)Debt funds (20%)International funds (10%)
Priority-Based Optimization
Your required SIP exceeds available budget. Here's how to allocate based on priorities:
🚨
Emergency Fund high
Allocated: ₹17,141
🎓
Child Education high
Allocated: ₹2,859
Shortfall: ₹19
Financial Goal Planning Tips
SMART Goal Setting
- • Specific: Define clear, specific goals
- • Measurable: Set exact target amounts
- • Achievable: Ensure goals are realistic
- • Relevant: Align with your life priorities
- • Time-bound: Set clear deadlines
Goal Prioritization
- • Emergency Fund: Always highest priority
- • Retirement: Start early for compound growth
- • Children's Education: Time-sensitive goals
- • House Purchase: Major life milestone
- • Discretionary Goals: Lower priority
Investment Strategy
- • Short-term (1-3 years): Debt funds, FDs
- • Medium-term (3-7 years): Balanced funds
- • Long-term (7+ years): Equity funds
- • Diversify across asset classes
- • Review and rebalance annually
Common Mistakes to Avoid
- • Setting unrealistic targets
- • Ignoring inflation impact
- • Over-diversifying goals
- • Not reviewing goals regularly
- • Emotional investing decisions