How much do I need to invest for all my goals?

Instead of working out one goal in isolation, a goal planner adds up the monthly SIP each of your goals needs and shows the combined total — closer to how you'd actually plan your investments if you're saving for more than one thing at once.

Because your monthly budget is shared across all of them. Seeing the combined number upfront tells you immediately whether your goals are realistic together, rather than discovering it only after committing to each SIP separately.

Generally yes — a goal three years away should assume a more conservative return than one twenty years away, since there's less time to recover from a bad stretch in the market. This calculator lets you set a different return for each goal for exactly that reason.

Common options are extending the timeline on your least urgent goal, lowering the target amount, or starting with a smaller SIP and stepping it up each year as your income grows — the step-up SIP calculator can show you that version of a single goal.

Usually not — a goal within three years is generally better held in debt or hybrid funds where the return is more predictable, since a market dip close to your goal date leaves little time to recover. Longer goals can afford more equity exposure.

This calculator supports up to three at once, chosen to keep the numbers easy to read together. For more, run the extra goals separately and add their monthly SIPs to the total shown here.