Work out family financial goal planner instantly with clear inputs, formula shown and shareable results.
Goal planning has two steps that are often merged incorrectly: inflate the goal to its future cost, then solve for the monthly investment that reaches it. Planning against today's cost systematically underfunds every goal.
Goal funding
Future goal = cost × (1+inflation)^years; monthly = future goal / annuity-due factor
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Yes. Education and weddings inflate far faster than general prices, and using one rate for all distorts the plan.
Fund the nearest and the non-negotiable first, and use lower-risk assets for anything under three years away.