Plan today.
Buy it when ready.

Most calculators start by asking how much you can invest. I never understood why.

Nobody lies awake thinking about SIPs. They think about the house they want to come home to, the college they want their child to walk into, the day they can finally stop worrying about money. The goal comes first. The money is just how you get there.

So I built this the other way around.

Tell me what you want. When you need it. I'll work out what it might cost by then — and what you need to start doing today. Not someday, not when you're ready, but today.

The step-up option is there for the same reason. You don't need to be a big investor today. You just need to start. Your income will grow, your SIP will grow with it, and your goal will be waiting right where you left it.

One number deserves more of your attention than the rest. The years.

Move it by two. Watch what happens.

The return percentage? You can adjust it — but understand what it means. Every extra percent of return comes with extra uncertainty. What looks better on the calculator may rarely happen in real life. A realistic return will keep you invested. An inflated one may leave you unprepared when reality hits.

Here's something most calculators don't tell you. Not all of that corpus is really yours. Some of it just covers the rising cost of things over the years — that's inflation quietly eating into your money. The inflation breakdown shows you exactly how much is inflation's share, and how much is wealth you actually built. The final number looks very different once you know that.

The goal was always yours. Now the plan is too.