What this calculation tells you
A goal has three moving parts: the future amount you want, the money already set aside and the time available. This tool grows the existing balance under your assumption, then solves for an equal end-of-month contribution to close the remaining gap.
The target is a future rupee amount. If your goal is stated in today’s prices, first estimate a future cost using the inflation calculator. This page does not select an investment or judge whether the resulting contribution fits your budget.
The method, explained
i = (1 + annual return ÷ 100)^(1/12) − 1 Monthly contribution = max(0, target − savings × (1 + i)^n) ÷ [((1 + i)^n − 1) ÷ i]
The inputs use the units printed beside each field. Values shown in result cards are rounded for readability; the calculator keeps more precision while applying the formula.
A worked example
Target amount: ₹10,00,000.00 · Current savings for this goal: ₹1,00,000.00 · Assumed annual return: 8 % · Time to goal: 5 years.
Monthly saving needed: ₹11,694.72
This example uses the inputs above. Your result changes when you change them.
Assumptions & limitations
- Current savings remain invested and monthly contributions arrive at month-end.
- Returns are constant and not guaranteed; tax and fees are excluded.
- A zero required contribution means the assumed existing growth covers the goal, not that the goal is assured.
Questions about this tool
What happens at 0% return?
The gap between the target and current savings is divided by the number of months.
Does the target automatically include inflation?
No. Enter a future target amount or first calculate an inflation-adjusted target.
Context checked 30 September 2026. External sources do not endorse this tool.
Published by Sanu Tech Innovation LLP · Model notes updated 30 September 2026. Read our calculation standards or report a reproducible issue.