Goal Planning
· Last reviewed July 2026Goal Gap Calculator
Check if your current savings and monthly SIP will hit your financial goal on time. See your projected corpus vs target, the gap, and the additional monthly SIP needed. Free India financial planning tool.
You're on track! 🎉
Projected surplus: ₹28.3 Lac
Projected Corpus
₹1.3 Cr
vs. target: ₹1 Cr
Projected Corpus vs Goal Target
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FundSageAI shows your real goal gap using actual portfolio data from your CAS — no estimates, no guesswork.
What is Goal Gap Calculator?
The Goal Gap Calculator answers one of the most practical questions in personal finance: 'With what I have and what I'm saving, will I hit my financial goal?' It combines your current savings (which compound over the remaining time) and monthly SIP (which accumulates over time) to project your total corpus at the goal date, then compares it against your target. If there's a gap, it tells you exactly how much additional monthly SIP you need to close it. This is a 'what-if' stress tester for every financial plan.
How to use this tool
Enter your Goal Target Amount — the corpus needed at goal date (in future rupees, accounting for inflation).
Enter Years to Goal and your Current Savings earmarked for this goal.
Enter Monthly Investment and Expected Return %.
See: on-track/behind status, projected corpus, gap amount, and additional SIP needed.
The Formula
Savings FV = Current Savings × (1+r)^n SIP FV = Monthly × [((1+r_m)^m - 1) / r_m] × (1+r_m) Projected = Savings FV + SIP FV Gap = Goal - Projected Additional SIP = Gap × r_m / ((1+r_m)^m - 1) / (1+r_m)
Key Terms
- Goal Gap
- The shortfall between projected corpus (based on current savings + monthly SIP) and the target amount needed for a financial goal.
- Projected Corpus
- The estimated future value of your current savings and ongoing investments at the goal date, given an assumed return rate.
- Time Value of Money
- The principle that money available today is worth more than the same amount in the future due to its earning potential.
Key Benefits
- ✓Instant diagnosis: are you on track or off track for each financial goal?
- ✓Shows additional SIP needed to close any gap — a concrete action item.
- ✓Accounts for existing savings compounding separately from ongoing SIP.
- ✓Area chart with goal target line shows visually when your projected corpus crosses the goal.
Practical Example
Goal: ₹1 Crore | Years: 15 Current Savings: ₹5 Lakh | Monthly SIP: ₹20,000 Expected Return: 12% Projected Corpus: ₹88.5 Lakh (₹11.5L short) Additional SIP needed: ₹2,330/month Extend timeline to 17 years: No additional SIP needed!
FundSageAI Dashboard
Do more with your real portfolio data
- 1Goal tracker with real portfolio projections
- 2Projected vs target visualisation
- 3Automatic alert when falling behind goal timeline
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Common Questions
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These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.