Investment Goal Calculator — Calculations & Slabs for FY 2026-27

For long-term goals (10+ years), you can assume 12% to 15% annual returns if investing in equity mutual funds. For medium-term goals (3 to 7 years), a balanced portfolio with a mix of equity and debt should be projected at 9% to 12%. For short-term goals (under 3 years), use safer debt funds or bank FDs at 5% to 7%.

Stepping up your monthly SIP (e.g. by 10% each year) reduces the starting monthly installment required to hit your target goal. It aligns your investments with your salary growth, allowing you to invest less at the start and more as your income increases.

For a 5-year goal, a hybrid or balanced advantage fund is usually recommended. It combines equity (for growth) and debt (for stability), protecting your capital from short-term market volatility while still offering decent compounding returns.

Inflation erodes the purchasing power of your money. If you need ₹1 Crore in 15 years, that amount will buy much less than it does today. For example, at 6% inflation, you would actually need a nominal target of around ₹2.4 Crore to match the buying power of ₹1 Crore today.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.