Goal Setting Worksheet
Map your financial life goals to real numbers. Know exactly how much to invest every month.
Get the Free Template
A pre-built CSV template with SIP formulas for each goal. Open in Excel, Google Sheets, or Numbers — just fill in your numbers.
Download Template (CSV)CSV format — works with Excel, Google Sheets, and Apple Numbers. No sign-in required.
How to Use It — 4 Steps
List Your Goals
Write down every financial goal — retirement, home, education, travel, car. Don't filter. Just list.
Assign a Number
Estimate the future value of each goal in today's money. Use 6–7% inflation to project forward.
Set a Timeline
When do you need this money? Be specific — 5 years, 10 years, at age 60.
Calculate Your SIP
Use the template to reverse-engineer the monthly SIP needed. Assume 12% CAGR for equity, 7% for debt.
Calculate Your Required SIP
Example Goals & SIPs
Here's a sample for a 35-year-old professional with ₹2L/month income. Assumes 12% CAGR (equity SIPs).
| Goal | Timeline | Target Amount | Monthly SIP |
|---|---|---|---|
| Retirement Corpus | 20 years | ₹5 Cr | ₹18,000 |
| Child's Education | 12 years | ₹50 L | ₹12,000 |
| Home Down Payment | 5 years | ₹20 L | ₹26,000 |
| Emergency Fund | 1 year | ₹6 L | ₹48,000 |
* Illustrative only. Actual returns vary. Consult a financial advisor for personalised advice.
The Framework Behind the Sheet
Goals before investments — never start an SIP without knowing which goal it serves.
Separate buckets for each goal — don't mix retirement money with your child's education fund.
Review annually — goals change, salaries change, timelines shift. Revisit every year.
Inflation is the enemy — always use real (inflation-adjusted) return assumptions.
Start now, adjust later — a rough plan started today beats a perfect plan delayed by 2 years.
Next Step: Set Your Asset Allocation
Once you have your goals mapped, use the Asset Allocation Guide to decide where to invest.