Plan the life you want—
then know exactly what it takes.
Tell us your goals. In under two minutes you'll see the inflation-adjusted cost of each one and the precise monthly SIP to get there—modelled the way a professional advisor does it.
Tell us about you
A few basics so your plan is personal—age, income and what you can invest each month.
Add your goals
Retirement, a child's education, a home, a dream trip. Set the amount and the timeline.
See your plan
Your monthly SIP, projected wealth and an honest check on whether it all fits.
First, a little about you
This stays private and helps us tailor the plan to your life stage and capacity.
What are you planning for?
Add as many goals as you like. Tap one to add it, then set the amount and timeline—numbers update live.
Here's what it takes
Every goal, inflated to its real future cost, with the monthly investment to reach it.
Where your SIP goes
Your wealth, projected
Goal-by-goal breakdown
How we calculate this
We use the same tiered assumptions a professional advisor applies—conservative for the short term, growth-oriented for the long term.
- Inflation on each goal's cost:
under 10 yrs → 4%,10 yrs+ → 5%. - Expected return on investments:
under 4 yrs → 7%,4–6 yrs → 11%,7–10 yrs → 12%,11 yrs+ → 14%(equity-oriented for longer horizons). - Future cost = today's cost grown by inflation for the years to the goal.
- What you've saved keeps growing at its own rate until the goal date, and is subtracted from the future cost.
- Required SIP = the monthly investment (on the 1st of each month, compounded at the expected return) whose future value covers the amount still needed.
These are planning estimates, not guaranteed outcomes. Your advisor will fine-tune every assumption to your risk profile and existing investments.
Your plan is ready, there.
Send it to Impetus and an advisor will personalise it—review your existing investments, fine-tune the assumptions and help you start your SIPs. No cost, no obligation.
Quick calculators
The everyday time-value-of-money tools—ready to use live in a meeting. Pick one, change any number, and the answer updates instantly.
Property vs. Mutual Funds
A clear, honest side-by-side over your chosen horizon—the same money, two paths. Effective return is shown as XIRR.
Illustrative comparison only. Real estate returns vary widely by location, liquidity, maintenance, taxes and transaction costs, none of which are modelled here. Not investment advice.