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🎯 Goal Lumpsum Calculator
Find out how much you need to invest today (one-time) to achieve your goal in the future, considering inflation.
⚙️ Goal Details
Calculator
₹ 5,00,000
💡 Today’s cost of your goal (example: car, education, house down payment)
10 years
💡 Years after which you need the money
12.00%
💡 Assumed annual return for your investment plan
6.00%
💡 Default 6% (you can adjust for your assumption)
📊 Results
Numbers
🎯 Inflation-adjusted Goal Value (Future)
₹ 0
—
💼 Lumpsum Required Today
₹ 0
💡 What this means: We first inflate your goal to estimate its future cost, then discount it using your expected return to get the required one-time investment today.
🧩 Visual Breakdown
Pie
Future Goal vs Required Today
Required Today
₹ 0
Gap to Future Goal
₹ 0
💡 This pie is a visual aid. It shows how today’s amount grows into your future goal under the chosen return.
How does this Goal Lumpsum Calculator work?
This calculator uses two steps:
- Step 1 (Inflation): Future Goal Value = Current Goal Value × (1 + Inflation)Years
- Step 2 (Discounting using return): Required Today = Future Goal Value ÷ (1 + Return)Years
This gives you a one-time investment amount needed today to reach the inflated goal value.
Frequently Asked Questions
❓ Why do we include inflation?
Because your goal will likely cost more in the future. Inflation helps estimate a more realistic target amount.
❓ What should I keep as return rate?
The return rate is an assumption. Equity-based investments can fluctuate; choose a realistic long-term expectation.
❓ Is inflation fixed at 6%?
We default it to 6% because it’s commonly used for planning, but you can adjust it based on your assumptions.
Disclaimer: This tool is for informational purposes only and does not constitute financial advice.