Financial Goal Planner
Build your own goals here, set what you can actually put toward them each month, and this runs a real fractional-knapsack optimizer — the same allocation model used in resource planning — to find the split of your budget that gets you the most of what you said matters. It's compared against two naive strategies so you can see exactly how much better it does, not just told to trust it.
Enter this directly — a fixed number you know you can commit every month, not pulled from anywhere else.
Your goals
No goals yet — add one to see how the optimizer would split your budget.
How this is computed
Each goal's required monthly contribution is solved from its remaining amount, time left, and assumed growth rate (5% conservative, 9% moderate, 13% aggressive). The optimized strategy is a fractional-knapsack allocation: goals are ranked by "density" — importance x urgency, divided by what they actually cost to fund per month — and funded completely in that order until the budget runs out. This is a provably-optimal split for the stated budget: no other way to divide the same money across the same goals scores higher on weighted satisfaction. This is a planning model based on the numbers you enter, not personalized financial advice.
A worked example
Say you can set aside ₹30,000 a month and have three goals, all due in 12 months and all saved conservatively: a ₹6,00,000 wedding (importance 5), a ₹1,50,000 emergency fund (importance 4) and a ₹1,20,000 laptop (importance 4). Fully funding them needs about ₹48,864, ₹12,216 and ₹9,773 a month, far more than the budget.
Priority order puts all ₹30,000 into the wedding, because it's the most important goal, and leaves the other two with nothing. It scores 24/100. An equal split spreads the money evenly and scores 64/100. The optimized split fully funds the laptop and the emergency fund, which cost little for how much they matter, and puts the remaining ₹8,011 toward the wedding. It scores 68/100, the best of the three for the same money.
The lesson isn't that the wedding matters less. An expensive goal with a near deadline can quietly crowd out everything else, and seeing the trade-off in numbers helps you decide whether to move its date, lower its target or raise your budget.
How to use the planner
Start with the monthly amount you can reliably commit, not your best month. Add each goal with what it will cost, what you've already saved toward it and when you need it. Rate its importance from 1 to 5, and choose a growth profile that suits the time left. The planner then compares all three strategies and shows how much each goal gets and how long it would take to reach.
For a single goal you can also use the goal SIP calculator. If one of your goals is buying a home, the rent vs buy verdict checks whether buying makes sense for you first, and for retirement, how much to save for retirement by age gives realistic targets. Before committing a budget, the financial health checkup shows whether your emergency fund and debts leave room for it.
Common questions
It splits one fixed monthly budget across all your goals so that as much as possible of what you marked important, and soon, gets funded. Each goal's importance (1 to 5) is weighted by how soon it is due, and the planner funds the goals that return the most of that weighted value per rupee first.