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House Purchase Planner
Save for a home down payment or purchase.

Your Goal

Drag the sliders — the monthly SIP updates instantly.

Amount Needed (today)How much the goal costs in today’s money
₹1,00,000₹5,00,00,000
Investment PeriodHow many years you stay invested
1 yr40 yrs
Expected Annual GrowthThe average yearly return you assume — your choice, not a DhanRadar prediction
1%30%
InflationHow fast the goal’s cost rises each year
0%12%
Monthly SIP Needed
₹34,179/mo
To reach ₹45,10,891 in 7 years
Goal’s Future Cost
₹45,10,891
6% inflation on ₹30L
Or One-time Today
₹20,40,498
Lump sum instead of monthly
Total You’ll Invest
₹28,71,024
Across the whole period
Your Plan vs the Goal
Invested vs Value
₹0₹11.84L₹23.68L₹35.52L₹47.36L0y2y4y6y7yYear 0 · ₹0Invested ₹0
Plan ValueMoney Invested

Reaching ₹45.11L needs about ₹34K/month at your assumed 12% return. Returns vary year to year, so treat this as a guide and revisit it.

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What If…

What lowers the monthly SIP
Invest 5 years longer12 yrs
₹19K/mo
₹15K/mo less
Earn 2% more14%
₹32K/mo
₹3K/mo less
Earn 2% less10%
₹37K/mo
₹3K/mo more
Inflation 2% lower4%
₹30K/mo
₹4K/mo less
Bigger goal (+₹10 L)₹40L
₹46K/mo
₹11K/mo more
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AI Insights

DhanRadar AI

Investing 5 more years drops the monthly SIP to about ₹19K — time does most of the heavy lifting.

At your assumed 12% return, a one-time ₹20.4L today would also reach this goal instead of the monthly SIP.

6% inflation turns today's ₹30L goal into ₹45.11L by then — that future cost is what you're really saving for.

For education only — not investment advice. These figures illustrate how your own inputs change the saving needed; they are not recommendations to buy, sell, or hold any fund. Estimates assume a constant annual return, which real markets do not provide.

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Related Calculators

Home Loan EMI Calculator
See your monthly EMI and how much interest you pay over the loan.
Goal SIP Calculator
Find the monthly SIP to reach a goal — adjusted for inflation.
Monthly SIP₹34K/mo

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.