Using scenario compare on the SIP calculator for two returns
Lock instalment and tenure; change only the return
To see sensitivity, keep monthly amount and years fixed. Run one scenario at a conservative expected return and one at a more optimistic figure the industry often quotes. Where the tool supports scenario compare, park both and read corpus vs invested. The rupee gap is how hard the assumption works—not proof of either path.
Plan on the duller number
If the goal only clears at the optimistic return, raise the SIP, extend the date, or cut the target. Celebrating the high scenario while funding the low one is how people under-save. Inflation toggle, if you use it, should stay consistent across both scenarios so you do not mix scales.
Revisit after life changes, not every NAV tick
Re-run the pair after a salary change or a goal-date move. Daily market moves are not a reason to rewrite both return assumptions weekly. The compare feature is a desk tool for honesty, not a trading dashboard.
Results from FinanceChacha are estimates for planning, not financial or tax advice. Read the disclaimer.
Try the calculator
Open the calculator this guide refers to and run your own numbers.