Rytvae Consulting · Think Right · Invest Right
Deferred Goal Calculator
Result
Chart
Show formula & working
Step 1: Corpus = PV at the start of a growing annuity due — first payment P × (1 + i)D, rising with inflation for N years, discounted at the payout return
Step 2: Lumpsum = Corpus ÷ (1 + r)D · SIP = Corpus ÷ ((1 + r/12)12D − 1) ÷ (r/12) × (1 + r/12)
Details
How this works
Goals such as a four-year degree are paid over several years. The first step finds the money needed on day one of the goal, allowing for the unspent balance to keep earning.
The second step works back to today: one lumpsum, or a monthly SIP until the goal starts.
Frequently asked questions
Why two returns?
Money is usually invested more conservatively once withdrawals start.
Payments at the start of each year?
Yes — fees are usually paid in advance, so the calculation uses an annuity due.