Tools
Run the numbers yourself.
Projections, not promises. These use standard formulas and the assumptions you choose — so treat the result as the start of a conversation, not a forecast.
SIP & lumpsum
What a regular or one-time investment could become.
- You invest
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- Estimated gain
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- Projected value
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SIP step-up
Raise your SIP once a year, the way a salary rises.
- Total invested
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- Projected value
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- More than a flat SIP
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Goal Guide
Work backwards from the amount you need.
- Cost when you need it
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- Monthly SIP needed
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- Or one-time today
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The cost of waiting
What waiting a few months takes off the same end date.
- Start this month
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- Start later
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- The delay costs
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Retirement Guide
How big a corpus you need, and the SIP to build it.
- Monthly expenses at retirement
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- Corpus needed
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- Monthly SIP needed
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Monthly income (SWP)
A regular income from savings — and how long it lasts.
- Total withdrawn
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- Amount left at the end
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- Money lasts
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Inflation
What today’s cost will be in the future.
- Future cost
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- Increase
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- ₹100 today will buy
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Time to reach a goal
How long a monthly SIP takes to reach a target.
- Time needed
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- You would invest
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- Growth would add
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Child’s education
What college will cost by the time your child gets there, and the SIP to fund it.
- Cost when college starts
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- Or one-time today
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- Monthly SIP needed
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Child’s marriage
What the wedding will cost on the day, and the SIP to be ready for it.
- Cost on the day
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- Or one-time today
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- Monthly SIP needed
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Vacation
What the trip will cost when you go, and the monthly saving to pay for it without a loan.
- Trip cost when you go
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- Or one-time today
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- Monthly saving needed
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Term insurance cover
How much life cover would keep your family going if you were not there.
- To replace your income
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- Plus loans and goals, less savings
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- Life cover needed
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Emergency fund
How big a safety net you need, and how soon you can build it.
- Still to set aside
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- Ready in
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- Emergency fund needed
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Loan EMI
The monthly instalment on a loan, and the interest it costs over the years.
- Total interest
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- Total you pay
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- Monthly EMI
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Goal playground
Sort your goals, then see the SIP.
Drag each goal into a need, a want or a dream, and give it a time frame. Every goal on the board shows the monthly SIP it would need — the way we work through a plan with you.
Quick Financial Goal Guide
SIR Financial Services Pvt. Ltd. · AMFI-Registered Mutual Fund Distributor · ARN-357446
Planned withMr. Santosh Ishwar RevanakiQPFP® · CRGP® · Your Financial Guide
₹0a month · no goals on the board yet
Assumptions
The board works these out with
Goals
Short termUp to 2 years
Medium term3 to 7 years
Long termMore than 7 years
NeedsSecure this first
WantsPlan deliberately
DreamsFund what is left
Drag a goal onto the board, or tap a goal and then a box. Tap a goal on the board to change its cost or year. Illustration only: costs rise 6% a year, and the SIP assumes 7% a year for short-term goals, 10% for medium and 12% for long — not a projection of any scheme, and not guaranteed. Insurance is cover, not an SIP.
SIR Financial Services app
The same maths, in your pocket.
SIP, step-up, SIP-delay and custom-period calculators are built into the app, next to goal reports that attach a number to a purpose.
- Every fund house on one screen
- SIP, step-up and goal calculators built in
- Two-factor sign-in and independent security testing
Rated 4.9 ★ by 81 people on Google Play · 1,000+ installs
Or scan the code for your phone
Turn the number into a plan.
A calculator gives you a number. A 30-minute call gives you the funds, the mix and a review date to go with it.
We never hold your money. Payments go straight to the fund house.