Goal Lumpsum Calculator — Aaj Kitna Lagana Hoga
Aapke paas ek saath paisa hai — bonus, property bikri, ya bima ka claim. Aur ek lakshya hai. Neeche target, return aur saal daaliye — pata chal jayega ki aaj kitna lagana hoga.
Ulta hisaab — aaj ki keemat
12% return maankar, ₹10 lakh ke liye aaj chahiye:
| Kitne saal baad | Aaj lagana hoga |
|---|---|
| 5 saal | ~₹5,67,000 |
| 10 saal | ~₹3,22,000 |
| 15 saal | ~₹1,83,000 |
| 20 saal | ~₹1,04,000 |
Dekhiye — 20 saal ka samay ho to ₹10 lakh ke liye aaj sirf ₹1 lakh chahiye. Wahi 5 saal me chahiye to ₹5.67 lakh. Samay hi sabse bada nivesh hai.
Isi ko "present value" kehte hain — bhavishya ki rakam ki aaj ki keemat. Aur yahi wajah hai ki jaldi shuru karne wale ko kam paisa lagana padta hai.
Lumpsum ya SIP — kaunsa behtar
Ye sawaal tab aata hai jab ek saath paisa haath me ho. Seedha jawab:
- Debt, FD ya PPF me lagana hai — lumpsum theek hai. Wahan bhaav upar-neeche nahi hota, isliye rukne ka koi faayda nahi.
- Equity me lagana hai — yahan thoda dhyaan chahiye. Bazaar ke oonche par ek saath poora paisa daalna aur agle din 20% girna — ye ho sakta hai, aur mann par bahut bhaari padta hai.
Aankdon ke hisaab se lambe samay me lumpsum aksar thoda aage nikalta hai. Par jo raat ko neend nahi aane deta, wo achha plan nahi hota — chahe kaagaz par sahi ho.
Ek saath paisa aaye to kram ye rakhiye
Bada paisa haath me aane par sabse aam galti hai — jaldi me kahin bhi laga dena. Kram ye hona chahiye:
- Mehnga karza pehle khatam kariye. Credit card, personal loan, sahukar ka byaj. 36% bachana, 12% kamane se behtar hai — aur us par tax bhi nahi.
- Emergency fund poora kariye. 6 mahine ka kharcha. Emergency Fund Calculator
- Bima dekh lijiye — health aur term. Ye nivesh nahi, surakshaa hai, aur nivesh se pehle aani chahiye.
- Agle 1-2 saal ke tay kharche alag rakhiye — fees, shaadi, ilaaj. Wo paisa FD ya debt me.
- Ab jo bacha, wo lambe samay ke lakshya me lagaiye.
12% ka anuman kitna maanein
Poora hisaab return ke anuman par tika hai, isliye us par imaandaari zaroori hai:
| Kahan | Anuman | Kitne samay ke liye |
|---|---|---|
| Equity fund | 11-13% | 7+ saal |
| Hybrid fund | 9-11% | 3-7 saal |
| Debt fund / FD | 6-8% | 1-3 saal |
| PPF | ~7% | 15 saal |
Do niyam:
- 3 saal se kam ke lakshya me equity mat lijiye. Chahe return kam mile, paisa samay par milna zyada zaroori hai.
- Lakshya paas aane par surakshit jagah le aaiye. 1-2 saal bache hon to equity se nikaal kar FD ya debt me daal dijiye. Ye ek kadam bahut logon ka lakshya bacha leta hai.
Har mahine lagana ho to SIP Goal Calculator aur ek saath ke liye Lumpsum Calculator dekhiye. Hum SEBI-registered advisor nahi hain — ye hisaab samajhne ke liye hai.
Aksar pooche jaane wale sawaal
Target ke liye aaj kitna lagana hoga, ye kaise nikalta hai?
Target ÷ (1 + return) ki power saal. 12% par 10 lakh ke liye 10 saal me lagbhag 3.22 lakh aur 20 saal me sirf 1.04 lakh chahiye.
Lumpsum behtar hai ya SIP?
Debt aur FD me lumpsum theek hai. Equity me STP achha rasta hai — paisa debt fund me daal kar har mahine equity me transfer karte rahiye.
Ek saath bada paisa aaye to pehle kya karein?
Pehle mehnga karza khatam, phir emergency fund, phir bima, phir 1-2 saal ke tay kharche alag. Bacha hua paisa lambe lakshya me.
Return kitna maanein?
7 saal se lambe lakshya ke liye 11-12%, 3-7 saal ke liye 9-11%, aur 3 saal se kam ke liye 6-8%. Chhote lakshya me equity bilkul nahi.