Long horizonGoal Planning

Savings Goal Planner

Flip between goal-first and contribution-first planning, then layer on inflation, annual savings increases, and target-date projections.

Goal-first or contribution-firstInflation-adjusted goalAnnual savings increase

Savings path

Start with a target or start with a monthly savings amount, then use advanced mode to make the plan more realistic.

Current age

Target age

Current savings

LKR

Expected annual return

Goal amount

LKR

Advanced mode

Adjust for inflation and model the annual step-up many savers make as income grows.

Time horizon

15 years

The plan runs from age 30 to 45.

Required monthly saving

LKR 30,563.05

Total contributed

LKR 6,001,349.00

Investment returns

LKR 8,998,651.00

Goal gap

LKR 0.00

Projection

Savings progress over time

The reference line shows the goal path when you are solving for a target amount.

Timeline

Annual checkpoints

A useful audit trail for checking whether the plan still feels realistic as the years pass.

Year	Contributions	Returns	Projected total
1	LKR 866,756.60	LKR 72,842.37	LKR 939,598.97
2	LKR 1,233,513.20	LKR 191,716.50	LKR 1,425,229.70
3	LKR 1,600,269.80	LKR 361,442.51	LKR 1,961,712.31
4	LKR 1,967,026.40	LKR 587,345.26	LKR 2,554,371.66
5	LKR 2,333,783.00	LKR 875,307.19	LKR 3,209,090.18
6	LKR 2,700,539.60	LKR 1,231,826.70	LKR 3,932,366.30
7	LKR 3,067,296.20	LKR 1,664,082.67	LKR 4,731,378.87
8	LKR 3,434,052.80	LKR 2,180,005.70	LKR 5,614,058.50
9	LKR 3,800,809.40	LKR 2,788,356.83	LKR 6,589,166.23
10	LKR 4,167,566.00	LKR 3,498,814.47	LKR 7,666,380.47
11	LKR 4,534,322.60	LKR 4,322,070.52	LKR 8,856,393.12
12	LKR 4,901,079.20	LKR 5,269,936.45	LKR 10,171,015.65
13	LKR 5,267,835.80	LKR 6,355,460.53	LKR 11,623,296.33
14	LKR 5,634,592.40	LKR 7,593,057.38	LKR 13,227,649.78
15	LKR 6,001,349.00	LKR 8,998,651.00	LKR 15,000,000.00

Perspective

Goal planning gets better when it becomes flexible

Most calculators force you into one path: either enter a target or enter a contribution amount. In real planning you often need both views because circumstances change.

Inflation is especially important for long-range goals in Sri Lanka. A target that sounds large today can be materially smaller in real purchasing power by the time you need the money.

This planner keeps the basic experience simple, then unlocks more realistic assumptions in advanced mode for users who want to pressure-test the plan.

Read the glossary: inflation

FAQ

Common questions

Should I inflate my goal amount over time?

For goals more than a few years away, yes. Inflation means the rupee amount you need in the future is usually higher than the amount that feels sufficient today.

Why model annual savings increases?

Because many people save more as income rises. A contribution plan that steps up each year can be much more realistic than assuming the same rupee amount forever.

Can I use this for retirement, a house, or education?

Yes. It is a general goal-planning calculator. The retirement calculator goes deeper on retirement-specific assumptions, but this tool works for any target value and date.

Keep the workflow moving

View all calculators

Wealth Growth

Compound Interest

A full investment growth model with contribution plans, fee drag, and real-value outputs.

Retirement

Retirement corpus planning with income targets, inflation, contribution step-up, and on-track status.

Affordability

Loan Affordability

Income-led affordability analysis with stress-rate testing, debt ratio limits, and down payment impact.