A R Associates
AMFI-registered mutual fund distributor · ARN-284604 · EUIN E528789
What will this goal cost, and what must I save?
Prepared 30 September 2026
Any goal
What will this goal cost, and what must I save?
Put inflation on a target and find the monthly saving that reaches it, counting what you have already put aside.
Monthly saving to reach it
…
Only money earmarked for this goal. Counting the same corpus twice is how a plan quietly fails.
What this assumes
- Target inflated
- Every year until the date
- Existing savings
- Grow at the same expected return
- Contributions
- Monthly, flat
- Returns
- Constant, as you set them
What it does not account for
- Tax on redemption, which reduces what actually reaches the goal.
- Any step-up in the monthly amount as your income rises.
- That inflation is not uniform. A wedding, a house and a degree inflate at different rates.
- Sequence of returns. The same average through a different path can leave you short at the date that matters.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Ramachandran Kothanath is an AMFI Registered Mutual Fund Distributor (ARN-284604), not a SEBI-registered investment adviser. We earn commission from asset management companies on the schemes we distribute. We do not charge you a fee for distribution, and we do not guarantee returns. Insurance is distributed under a separate IRDA registration.
+91 96771 28566 · ar.associates1957@gmail.com · arassociates-chi.vercel.app
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.