Life Goal Inflation & Insurance Shield Calculator (INR)

📖 How to Use This Calculator & Why It Protects Your Family

Put Your Goals in Today's Money Enter what college, marriage, or monthly living costs today. Click any 🔊 सुनें button to hear the explanation in Hindi.

See The Inflation Multiplier Education inflates at 9% to 11% yearly. A ₹25 Lakh college degree today will require ₹91 Lakh in 15 years. You get the exact future target instantly.

The Life Insurance Shield If you live, your monthly savings build this wealth. If earning stops unexpectedly, the insurance shield guarantees the entire dream is funded 100% on Day 1.

💡 Quick Goal & Inflation Setup

Select Key Family Dreams:

🎓 Child Education 💍 Child Marriage 🏖️ Peaceful Retirement 🏥 Medical Emergency Fund

Total Estimated Cost of Dreams (Today's Value ₹):

₹

₹50.00 Lakh today

Time Horizon (Average Years to Goal):

15 yrs

Expected Annual Inflation Rate (% p.a.):

7.0%

Your Current Savings Dedicated to These Goals (₹):

₹

₹10.00 Lakh current savings

Future Inflated Cost of Your Dreams

₹1.38 Cr

Purchasing power erosion: You will need 2.76x of today's cost!

Today's Cost

₹50.00 Lakh

Pure Inflation Gap

+₹87.95 Lakh

📊 The Reality Check: Net Goal Gap

Current Savings Growth

₹41.77 Lakh

Net Unfunded Deficit

₹96.18 Lakh

⚠️ The Double Risk You Face:
1. Living Risk: Inflation silently expands your target from ₹50 Lakh to ₹1.38 Crore.
2. Dying Risk: If earning stops tomorrow, investments freeze at ₹10 Lakh, but college fees and family milestones can never be postponed!

🛡️ Guaranteed Life Insurance Shield Needed

If you live and invest every month, you can bridge this gap over 15 years. But if the earner passes away unexpectedly, this guaranteed cover immediately completes the family dreams without compromise:

₹1.28 Cr

🎓 Goal 1: Child Higher Education

Child's Name:

Priority Rank:

Child Current Age:

College Entry Age:

College Cost Today (₹):

₹

₹25.00 Lakh

Education Inflation (%):

Target Future Cost:

₹0

Required Monthly SIP:

₹0 / mo

💍 Goal 2: Child Marriage & Launch

Target Marriage Age:

Priority Rank:

Marriage Budget Today (₹):

₹

₹20.00 Lakh

Wedding Inflation (%):

Target Future Cost:

₹0

Required Monthly SIP:

₹0 / mo

🏖️ Goal 3: Peaceful Retirement Living

Your Current Age:

Retirement Age:

Current Monthly Expense (₹):

₹

₹50,000 / month

Lifestyle Inflation (%):

Life Expectancy (Age):

Priority Rank:

Required Retirement Corpus:

₹0

Required Monthly SIP:

₹0 / mo

🏥 Goal 4: Medical Emergency Shield

Healthcare Reserve Today (₹):

₹

₹10.00 Lakh

Medical Inflation (%):

Target Horizon (Years):

Priority Rank:

Inflated Medical Fund:

₹0

Required Monthly SIP:

₹0 / mo

💰 Current Assets & Monthly Savings Capacity

Current Dedicated Liquid Investments / Savings (₹):

₹

₹15.00 Lakh currently invested

Expected Return on Investments:

% p.a.

Liabilities / Loans (₹):

₹

₹30.00 Lakh total debt

💬 The Commitment Question: How much can you save each month towards your family's dreams?

₹

₹40,000 / month commitment

Total Combined Future Required Goal Corpus

₹0

Aggregated across all individual milestone inflation rates

Total Present Cost

₹0

Net Unfunded Deficit

₹0

📈 Combined Monthly Savings Feasibility

Required Monthly Savings

₹0

Your Stated Monthly Capacity

₹0

🛡️ Recommended Pure Life Insurance Need

The Guaranteed Umbrella: If the primary earner passes away unexpectedly, monthly investments cease immediately, but college fees, child marriage, and family expenses remain due. This cover ring-fences high-priority goals and clears debt:

₹0

📋 Goal-by-Goal Inflation & Priority Breakdown

Goal Name	Priority	Years Horizon	Today's Cost	Inflation Rate	Inflated Future Cost	Required Monthly SIP