FREE CALCULATOR

What does your goal cost a month?

Most goals fail as a lump sum and work as a monthly figure. Put in the amount and the deadline to get the number that has to leave your account every month - and what already having something set aside does to it. The maths runs in your browser and none of your figures are saved or sent to us.

START FROM A COMMON GOAL

WHAT IT COSTS

₹

ALREADY SAVED

₹

BY WHEN 1 year 6m

RETURN WHILE YOU SAVE 6%

For anything inside three years, keep this low - a savings account or an RD, around 3–7%. Equity returns do not belong on a short deadline, because the year you need the money may be a bad one.

SET ASIDE EVERY MONTH ₹13,640 For 1 year 6m, to reach ₹3.00 L starting from ₹40,000.

Goal ₹3.00 L

You deposit in total ₹2.46 L

Return does the rest ₹14,476

Already saved ₹40,000

IF YOU MOVE THE DEADLINE

1 year - sooner ₹20,877/mo

2 years - later ₹10,023/mo

2 years 6m - later ₹7,855/mo

Time is the cheapest lever you have. Three more months usually costs less than cutting anything.

Making the number stick

Automate it on payday A standing instruction dated within a day or two of your salary credit is the single change that makes goal saving work. Money that has to survive a month in your spending account usually does not.

Short goals do not belong in equity Under three years, the risk of needing the money in a bad year outweighs the extra return. A recurring deposit or a liquid fund is the boring, correct answer.

Put the goal in its own account Not because the bank pays more, but because a balance you can see is a balance you stop treating as spendable. Mixing a goal into your salary account is how it quietly gets consumed.

A missed month is not a failure It is a number. Divide what is left by the months remaining and carry on with the new figure, rather than abandoning the goal because one month went wrong.

Knowing the monthly figure is the easy half.

Vittafy watches real cash flow against a goal you set and tells you the month it starts to slip, instead of at the end of the year. Free on Android 10 and above - Play Store or a direct APK, whichever you prefer.

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