Put in what your goal costs, how long you have, and the return you expect, and see the amount to invest each month in rupees. Change the goal, change the timeline, and watch the number move.
Choose the goal you are planning for, from wealth creation to a home, education, marriage or retirement
Put in what the goal costs today, how many years you have, and anything you have already invested for it
Add the return you expect and the inflation on that goal, so the target grows to what it will really cost on the day
Get back the amount to invest every month, or a single amount to invest today, along with the gap you are actually funding
If your question isn’t here, reach out at [support email] and we’ll answer.
Goal based planning means attaching a number and a date to each thing you are saving for, then investing separately for each one. A wedding in seven years and a retirement in thirty need different amounts and different investments, so one pot with four claims on it rarely serves any of them well.
It depends on four things, and the calculator does the arithmetic on all of them: the cost of the goal in future rupees, how many years you have, what you have already invested, and the return you expect. Longer timelines make the monthly figure smaller, because growth carries more of the load.
Match it to your timeline rather than your hopes. Money needed within three years usually sits in savings, fixed deposits or money market unit trusts. Money you will not touch for seven years or more can sit in growth investments, which move more in the short term but have longer to recover. The calculator suggests a range for each timeline. These are illustrative planning figures, not a forecast.
Splits your monthly income after tax into needs, wants and savings, so you can see the shape of your month before you start spending it.
Answers the uncomfortable question first: if your income stopped today, how many months would your savings actually cover?
Answers the uncomfortable question first: if your income stopped today, how many months would your savings actually cover?
Your debt ratio in one line: monthly debt payments divided by monthly income. It tells you whether you repayments are heavy or normal.
Compares the two ways of clearing debt on your own numbers: smallest balance first for momentum (snowball), or highest interest first to save the most money (avalanche).
Shows what a steady monthly amount becomes when it is left alone to grow, and how much of the final total is growth rather than money you put in.
The hidden risk inside a "safe" savings account. Compares the interest you earn against inflation, so you can see what your money will really buy later.
Puts a number on the distance between what your retirement will cost and what you are currently on course to have.
Enter one number you already know, your monthly salary before deductions, and see what you actually pay in tax each month and each year. The rates are the ones in force from 1 April 2025.
EPF and ETF are Sri Lanka's workplace retirement contributions. Enter your monthly salary and see all three in rupees, and what actually reaches your account.
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