Goals

Financial goals

What you are saving towards, how far along you are, and what the numbers say about getting there.

Goals on track

3 of 6

Total targeted

₹13.7 Cr

Saved towards goals

₹1.33 Cr

Committed monthly

₹1.18 L

You actually invested ₹80 K in Aug 2026.

Your goals assume ₹1.18 L a month, but ₹80 K actually left your accounts last month. Projected dates below use the committed figure, so they are optimistic by ₹38 K a month.

Emergency fund

Behind plan

Target 31 Dec 2027 · 1 yr 4 mo away

₹11.7 L

of ₹17.5 L

67% complete

Monthly contribution: ₹10 K
Projected at target: ₹14.4 L
Assumed return: 6.5% a year
Projected shortfall: −₹3.08 L

Model it

Needs ₹28.5 K/mo

Bengaluru home — down payment

Behind plan

Target 1 Jun 2030 · 3 yr 9 mo away

₹12.4 L

of ₹45 L

28% complete

Monthly contribution: ₹15 K
Projected at target: ₹25.3 L
Assumed return: 9.0% a year
Projected shortfall: −₹19.7 L

Model it

Needs ₹51.9 K/mo

Ishaan — undergraduate education

On track

Target 1 Jun 2038 · 11 yr 9 mo away

₹18.6 L

of ₹90 L

21% complete

Monthly contribution: ₹12 K
Projected at target: ₹96.7 L
Assumed return: 10.5% a year
Projected surplus: +₹6.66 L

Model it

Retirement

On track

Target 1 Apr 2045 · 18 yr 7 mo away

₹84 L

of ₹12 Cr

7% complete

Monthly contribution: ₹75 K
Projected at target: ₹11.9 Cr
Assumed return: 11.0% a year
Projected shortfall: −₹13.1 L

Model it

Clear the car loan

On track

Target 14 Mar 2029 · 2 yr 6 mo away

₹4.1 L

of ₹9.5 L

43% complete

Monthly contribution: ₹19.6 K
Projected at target: ₹9.98 L
Assumed return: 0.0% a year
Projected surplus: +₹48 K

Model it

Japan trip

Behind plan

Target 15 Oct 2027 · 1 yr 1 mo away

₹2.1 L

of ₹6.5 L

32% complete

Monthly contribution: ₹6 K
Projected at target: ₹3.03 L
Assumed return: 5.5% a year
Projected shortfall: −₹3.47 L

Model it

Needs ₹32 K/mo

Emergency fund — projected path

At ₹10 K a month and a 6.5% assumed annual return.

Projected at target date: ₹14.4 LTarget: ₹17.5 LTo land exactly on target: ₹28.5 K a monthReached around 13 Jun 2029

How these projections work

Each goal compounds your current balance monthly at the return you entered and adds your monthly contribution. That is the whole model — no market simulation, no probability distribution, no forecast.

A goal is on track when the projected balance at the target date reaches at least 98% of the target, ahead above 108%, and behind below 85%.

Real returns vary year to year and will not follow a smooth line. Treat the projected date as a planning aid, not a promise.