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Financial Calculator

Dream Vacation SIP Calculator

Build your dream vacation fund through systematic investment planning.

Travel Planning
Smart Savings
Goal-based Investment

Save for international travel and vacation expenses

₹
₹1L₹2Cr
₹
₹0₹15.00 L
years
1 year50 years
%
5%20%
%
2%15%
Today's Value:₹15.00 L
Future Value:₹47.58 L

Required Monthly SIP

₹0

Goal may not be achieved with current settings

Dream Vacation

Risk Profile: conservative

Total Invested
₹0
Estimated Returns
₹0
Maturity Amount
₹0
Consider increasing SIP or investment period

Goal vs Achievement

Target Amount₹47.58 L
Expected Amount₹0
Surplus/Deficit₹-47,58,254

Goal Achievement Chart

Track your progress towards your goal

Goal Amount
₹5,62,432
Today's value: ₹5,00,000
Maturity Amount
₹5,00,000
Below target
Achievement Timeline
Not achievable
With current plan
Investment Growth Over Time
Invested
Value
Goal
Year 0
₹0K
Year 1
₹1.6L
Year 2
₹3.4L
Year 3
₹5.3L

Key Insights

Total Returns:₹50,000
Return Percentage:11.1%
Monthly SIP:₹12,500
Investment Period:3 years
Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year
Monthly SIP
Annual Investment
Cumulative Investment
Portfolio Value
Annual Returns
Total Returns
2025
₹12,500
₹1,50,000
₹1,50,000
₹1,56,000
+₹6,000
₹6,000
2026
₹12,500
₹1,50,000
₹3,00,000
₹3,24,480
+₹18,480
₹24,480
2027
₹12,500
₹1,50,000
₹4,50,000
₹5,06,438
+₹31,958
₹56,438
Financial Milestones

Track your journey to key financial goals

₹1 Lakh
Year 1
₹5 Lakh
Year 3
₹10 Lakh
Beyond timeline
₹25 Lakh
Beyond timeline
Progress Summary

2 out of 6 milestones achieved in 3 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

8%
Compounded annually

Wealth Multiplier

1.1x
Your money grows by this factor

Returns vs Investment

11%
Returns as % of total investment

Vacation Travel Planning Formulas

Formulas to estimate future travel costs and calculate required savings.

1

Future Travel Cost

Calculate the future value of your desired vacation considering inflation.

Future Cost = Present Cost × (1 + Inflation Rate)^Years

Example:

Current cost of ₹1,50,000 with 4% inflation for 3 years

1,50,000 × (1 + 0.04)^3
= ₹1,68,729

Variables:

Present Cost - Current estimated travel cost
Inflation Rate - Expected annual travel inflation rate (as decimal)
Years - Number of years until vacation
2

Required Monthly SIP

Calculate the monthly SIP needed to accumulate the future travel cost.

SIP = Future Cost / [((1 + r)^n - 1) / r] × (1 + r)

Example:

To accumulate ₹1,68,729 in 3 years with 8% annual return

1,68,729 / [((1 + 0.08/12)^(3*12) - 1) / (0.08/12)] × (1 + 0.08/12)
= ₹4,200

Variables:

Future Cost - Target future travel cost
r - Monthly return rate (Annual rate ÷ 12)
n - Total number of months for investment

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

Frequently Asked Questions

Find answers to common questions about goal-based SIP planning and financial planning strategies.

What is goal-based SIP planning?

Goal-based SIP planning involves investing systematically in mutual funds with specific financial objectives in mind. Instead of investing randomly, you define clear goals (like education, marriage, retirement) and calculate the required monthly investment to achieve them within a specific timeframe.

How does inflation affect my financial goals?

Inflation erodes purchasing power over time. What costs ₹1 lakh today might cost ₹2-3 lakhs in 15-20 years. Our calculator includes inflation adjustment to show the realistic future cost of your goals, helping you plan adequately for actual financial needs.

Should I have separate SIPs for different goals?

Yes, it's advisable to have separate SIPs for different goals as they have different time horizons and risk profiles. Short-term goals (1-3 years) need conservative investments, while long-term goals (10+ years) can have higher equity allocation for better returns.

What if I can't invest the calculated SIP amount?

Start with whatever amount you can afford and increase it annually as your income grows. You can also extend the investment period or adjust the goal amount. The key is to start early and invest consistently, even if the amount is smaller initially.

Can I change my SIP amount during the investment period?

Yes, most mutual funds allow you to increase, decrease, or pause SIPs. You can set up step-up SIPs that automatically increase your investment annually. This helps counter inflation and leverage salary increments for faster goal achievement.

What returns should I expect from equity mutual funds?

Historically, equity mutual funds have delivered 12-15% annual returns over 10+ year periods. However, returns can be volatile in short term. For planning purposes, using 10-12% expected returns for long-term goals is reasonable and conservative.

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