Goal Planner
Updated 20 August 2026
Answer a few simple questions and we’ll tell you how much to invest every month — and where — to reach your goal.
Open the Live Goal Planner →Frequently asked questions
What is a Goal Planner and how is it different from the other calculators?
Most calculators start from an amount you're investing and tell you what it grows into; the Goal Planner works the opposite way — you tell it what you want and when, and it tells you the monthly amount to invest, and roughly where, to get there.
Why don't I need to enter an inflation rate myself?
Different goals have historically risen in cost at different rates — education has typically risen faster than general prices, for instance — so the calculator applies a sensible historical average automatically based on the goal you pick, rather than asking you to guess a number.
Which inflation rate is used for each goal type?
Retirement and general goals use a broad household inflation estimate of around 6% a year, education uses a higher rate of around 10% a year reflecting historically fast-rising tuition costs, weddings around 7%, and a home down payment around 7% reflecting typical property price growth.
Why does the calculator ask what kind of investor I am instead of asking for a return percentage?
Most people don't know what 'expected annual return' to assume, but most people do know whether they're comfortable with market ups and downs or would rather play it safe — so the calculator asks the simpler question and works out a realistic blended return behind the scenes.