SMK Investment Goal Calculator (educational)
Your goals and savings: understand them in numbers.
Enter approximate figures for income, expenses, assets, protection, goals and retirement in 6 simple steps. See an indicative result instantly; the detailed report after you share your details. This is an educational calculation, not investment advice.
- Calculates husband-wife dual income
- 20% savings rule and EMI check
- Emergency fund, life and health cover gaps
- SIP for every goal and for retirement
Investment Goal Report (educational)
SMK Financial Services | www.smkstockmarket.com | +91 99750 71730
SMK Financial Services | www.smkstockmarket.com | +91 99750 71730
This calculation is for educational and illustrative purposes only. The inflation and return rates used are assumptions, not guaranteed returns. Mutual fund and market-linked investments are subject to market risks. Check your risk profile, suitability and all required disclosures before making a final decision. This calculator does not recommend any specific mutual fund, share or insurance product.
How is this calculated?
- Monthly surplus = total income − household expenses − EMIs. Yearly agriculture income is divided by 12.
- Emergency fund = 6 months of household expenses + EMIs.
- Life cover (thumb rule) = 10 times your yearly income + outstanding loans; loans only if you have no dependents. Health cover: ₹10 lakh with dependents, ₹5 lakh without.
- Goal returns: 7% up to 3 years, 9% for 3–7 years, the pre-retirement return beyond that.
- Retirement corpus: spending at retirement (with inflation, minus pension) funded until life expectancy at the real post-retirement return, plus the healthcare reserve and legacy amount. Current investments (MF, shares, PPF, EPF) are counted towards retirement.