Multi-Goal SIP Planner with Priority
Allocate your monthly surplus across up to 5 financial goals by priority. See which goals are achievable, which need deferring, and the annual SIP step-up needed for each.
Goal 1: Retirement Corpus P1
Goal 2: Child's Education P2
Goal 3: Home Down Payment P3
Goal 4: Child's Marriage P4
Goal 5: Vacation Fund P5
Monthly SIP
₹50,000
Total SIP Needed
₹2,01,770
Goals Achievable
1 / 5
Goal Funding Status
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Goal Summary
| Goal | Priority | Target (Inflation Adj.) | SIP/mo | Projected | Funding % |
|---|---|---|---|---|---|
| Retirement Corpus | P1 | ₹21,45,93,536 | ₹50,000 | ₹21,37,79,744 | 100% |
| Child's Education | P2 | ₹79,30,423 | ₹0 | ₹0 | 0% |
| Home Down Payment | P3 | ₹40,14,677 | ₹0 | ₹0 | 0% |
| Child's Marriage | P4 | ₹48,10,703 | ₹0 | ₹0 | 0% |
| Vacation Fund | P5 | ₹5,78,813 | ₹0 | ₹0 | 0% |
CFP Goal-Based Financial Planning
Goal-based investing is a cornerstone of CFP methodology. Instead of investing a lump sum randomly, you allocate specific SIPs to defined goals — retirement, children's education, home down payment, etc. Each goal has its own timeline, inflation assumption, and expected return based on asset allocation.
Priority-Based Allocation
When your surplus can't fund all goals, CFPs recommend prioritizing by necessity: retirement and emergency fund first, then children's education, then discretionary goals. Lower-priority goals can be deferred, scaled down, or funded through future salary increases (step-up SIP).
Frequently Asked Questions
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