Compare Investment Goal scenarios
Change one input, hold everything else identical, and see how much that one input is actually worth. The gap between the scenarios is the whole answer.
What to compare
Everything else below is held identical across the scenarios, so the only thing separating the lines is this one input.
Shared by every scenario
What you want to have at the end.
An assumption you choose, not a forecast.
Existing savings earmarked for this goal. They keep growing too.
Optional. Enter it to see how far that amount gets you towards the target. Leave it at zero to see only what the target needs.
Side by side
| Scenario | Time available | Monthly investment needed |
|---|---|---|
| Scenario A | 8 years | ₹61,909 |
| Scenario B | 15 years | ₹19,819 |
| Scenario C | 23 years | ₹6,789 |
Moving time available from 8 years to 23 years changes monthly investment needed by −₹55,121. Every other input was identical in both.
Show how each scenario is calculatedHide the working
Scenario A — 8 years
This runs the SIP calculation backwards: what instalment reaches the target, rather than what a given instalment reaches.
Monthly rate and number of months
12% ÷ 12, and 8 × 12
= 1% (0.01) over 96 months
Grow what you already have
nothing set aside yet
= ₹0
What the instalments still have to produce
₹1,00,00,000 − ₹0
= ₹1,00,00,000
Instalment that reaches it
the shortfall, divided by the growth of one rupee invested monthly
= ₹61,909
Scenario B — 15 years
This runs the SIP calculation backwards: what instalment reaches the target, rather than what a given instalment reaches.
Monthly rate and number of months
12% ÷ 12, and 15 × 12
= 1% (0.01) over 180 months
Grow what you already have
nothing set aside yet
= ₹0
What the instalments still have to produce
₹1,00,00,000 − ₹0
= ₹1,00,00,000
Instalment that reaches it
the shortfall, divided by the growth of one rupee invested monthly
= ₹19,819
Scenario C — 23 years
This runs the SIP calculation backwards: what instalment reaches the target, rather than what a given instalment reaches.
Monthly rate and number of months
12% ÷ 12, and 23 × 12
= 1% (0.01) over 276 months
Grow what you already have
nothing set aside yet
= ₹0
What the instalments still have to produce
₹1,00,00,000 − ₹0
= ₹1,00,00,000
Instalment that reaches it
the shortfall, divided by the growth of one rupee invested monthly
= ₹6,789
Every scenario is computed by the same engine the monthly investment needed calculator uses, so the last line of each is the figure in the table above. Intermediate values are shown rounded for reading; the calculation carries full precision throughout.
Over time
Each line is one scenario. Because every other input is identical, the gap between them is the effect of time available alone.
How to read this
- Only one input differs. Every other value is identical across the scenarios, which is what makes the gap between them readable. If each scenario had its own assumed return, the chart would be comparing guesses rather than choices.
- A bigger number is not automatically better. On a loan comparison the larger figure is the worse one, and on any of these the right answer depends on circumstances this page knows nothing about.
- The rate is still an assumption. Comparing scenarios does not make any of them a forecast — it only shows how sensitive the outcome is to the input you changed.
To see the arithmetic behind a single scenario, use the Investment Goal Calculator, which shows the formula and works it through with your numbers.