Goal-based portfolio planning

Bring every goalinto one clear plan.

See how one portfolio can support each life goal, retirement withdrawals, and the years in between.

Plan my goals Read the guide

Educational tool, not advice. Explore your assumptions before you make a decision.

A collection of life goals represented around a growing investment portfolio.

This website is best experienced on a laptop, desktop, or larger screen. Some charts and tools may feel limited on mobile interfaces.


Enter your details below to personalize this chart on your data — takes about 2 minutes.

1. Personal Information

Goal ages should be your age when the expense happens, not the number of years from today.

If retirement is in the future, SIPs continue through this age. Post-retirement returns and SWP withdrawals begin from the following year.

2. Investments (Pre Retirement)

Inflation is mandatory for planning because every goal cost is projected forward from today's value.

This increases each SIP bucket every year until retirement.

Investment categories

Large Cap

Mid Cap

Small Cap

3. Withdrawals (Post Retirement)

After retirement, the model assumes the full portfolio shifts to lower-risk assets earning this return.

Enter the monthly amount in today's rupees. The planner inflates it to your retirement age before withdrawals begin.

After inflation is applied to retirement, the monthly SWP increases by this percentage after each post-retirement year.

4. Goals

Type Short Name Goal Age Cost Today
Planning Tips

Use the output to pressure-test your plan.

This tool is most useful when you challenge your assumptions and see how multiple goals interact inside one portfolio.

Useful stress tests

  • Lower return assumptions to see downside resilience.
  • Increase inflation if your goals are education or weddings.
  • Test whether step-up is needed to avoid late-stage shortfalls.

What a failure means

  • The portfolio turned negative after one of the withdrawals.
  • You may need more SIP, more time, lower goal cost, or different timing.
  • It does not mean every goal is impossible, only that this exact plan fails.

What success means

  • All planned withdrawals were funded from the same corpus.
  • The post-retirement portfolio still remained non-negative.
  • You can now refine assumptions instead of guessing blindly.
FAQ

Questions about the planner.

Short answers for the main modeling assumptions.

Why is inflation mandatory?

Because goal costs entered in today’s rupees are not realistic without inflation. The planner uses inflation to estimate the actual future withdrawal needed.

Why are only a few goal types supported?

This version standardizes the main use cases so the chart can use clear goal icons and simpler inputs. Use the short name field to add context like a child’s name, trip, or city.

Why does the chart stop at age 80?

The chart uses age 80 as a fixed planning runway so different scenarios stay easy to compare on the same horizon.

What does the hover tooltip show?

Line hover shows both nominal and real portfolio values for an age. Goal hover shows the goal type, short name, future cost, and corpus after the withdrawal.