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Reviewed by CA Nikhil Gupta · Last reviewed 11 October 2026
Enter a goal in today’s rupees, inflation, expected return and years to see the level contribution and the growth of the fund.
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Estimate level monthly, quarterly or annual funding contributions, beginning/end payment timing, inflation-adjusted targets and a complete schedule.
To fund a ₹10 lakh goal in five years with no starting capital and a 6% assumed annual return, the model solves a level deposit per month using the equivalent effective monthly growth rate.
Grow the target by user-selected inflation; compound the opening corpus at effective periodic rates; divide the remaining future-value gap by the future-value annuity factor. Contributions at the start of each interval earn one additional period of return.
Market returns are variable and often taxable. The model has no tax, management fees, inflation surprises or partial withdrawal assumptions; the result is an investment funding estimate, not a guaranteed corpus.
A sinking fund differs from a regular investment projection because it starts with a defined future liability or purchase. Enter the goal at current prices and the expected inflation assumption; the tool shows the future nominal amount. Choose beginning-period contributions if automatic deposits will happen on the first day of each period. Compare the required periodic contribution with cash-flow affordability and recalculate after return or inflation assumptions change. A conservative planner may use a lower return for the last years as asset allocation shifts toward capital preservation.
Goal invoice or cost estimate, inflation source, existing account balances, periodic standing instruction, investment risk suitability review, tax-cost assumptions.
They compound for one extra investment period. The required periodic contribution is shown as zero, with any projected surplus displayed. No. Returns are assumed and actual investment results may vary materially.
The target is inflated to the future, so use the nominal return you expect from the investment mix.
Enter them as the opening balance; they grow at the same return and reduce the contribution.
No. The return is an assumption. Market-linked funds vary, so review the plan each year.
Rates and rules were checked against these sources on 11 October 2026. Notifications and standards change; confirm on the official site before you file, book or advise.
Educational working tool. Results follow the scope and assumptions above and the figures you enter; they are not tax, audit, legal or accounting advice. Tax and accounting treatment depends on facts and on the law or standard in force for the relevant period, so verify the official source or consult a professional before you rely on a result.
Background, worked examples and the rules behind these numbers.