Are you trying to save for your child’s education, a house down payment, your marriage, and retirement — all at the same time? Most calculators force you to plan one goal at a time. That’s unrealistic.
The Wealthpedia Multi-Goal FIRE Planner is a powerful, completely free interactive calculator that does something no other tool in India does: it takes one single monthly SIP (plus your current portfolio) and automatically distributes it across multiple financial goals + your FIRE (Financial Independence, Retire Early) target using smart priority-based waterfall allocation.
It also includes step-up SIP, inflation adjustment, LTCG tax on withdrawals, and a beautiful full-journey chart from today until age 100.
In this complete 4000+ word professional guide, you will learn every single feature, how to use the calculator step-by-step, why it is far superior to every other multi-goal or FIRE calculator available in 2026, and how it can transform your financial planning.
What Exactly is the Wealthpedia Multi-Goal FIRE Planner?
This is not just another SIP calculator.
It is a complete financial life simulator that answers the most important question every middle-class Indian family asks:
“I can only save ₹60,000 per month. How do I fund my child’s education in 10 years, buy a house in 5 years, and still retire at 55 with dignity?”
Instead of giving you separate answers for each goal, the calculator treats your entire financial life as one portfolio and allocates money intelligently using:
- Priority ranking (you decide which goal is most important)
- Sequential “waterfall” funding (highest priority gets funded first)
- Real-time growth with monthly compounding
- Step-up SIP every year
- Accurate inflation adjustment
- Post-retirement withdrawal simulation with LTCG tax
Result? You get exact monthly SIP allocation, projected corpus, shortfall/surplus, and a visual journey of your wealth till age 100.
All Features Explained (One by One)
Core Inputs Section
- Monthly SIP ₹ — The single amount you can invest every month (this is the only money the calculator uses for all goals + FIRE).
- Current Portfolio ₹ — Your existing mutual funds, stocks, PPF, etc. The tool automatically grows this corpus every year.
- Current Age — Used for timeline calculations and the journey chart till age 100.
- Expected Equity Return (8–15%) — Realistic long-term return slider.
- Inflation Rate (4–10%) — Affects every future target and expense.
Step-Up SIP (One of the Rarest Features)
Toggle ON and choose annual increase (5–25%). The calculator automatically increases your SIP every year (exactly like salary hikes). You get a live preview: “Year 1: ₹60,000 → Year 5: ₹87,000”. Most calculators ignore step-up. This one models real life.
FIRE Mode (Fully Integrated with Goals)
Toggle ON and fill:
- Desired FIRE Age
- Current Monthly Expenses
- Safe Withdrawal Rate (2.5–4%)
- Post-FIRE Conservative Return (5–12%)
- LTCG Tax Toggle (12.5%) — Extremely rare. The calculator gross-up the withdrawal amount so you actually receive the required money after tax.
When FIRE mode is active, your FIRE corpus becomes the last goal in the waterfall and the chart shows both accumulation phase (green) and decumulation phase (gold) till age 100.
Multiple Goals with Priority Ranking
- Click + Add Goal any number of times.
- For each goal you enter: Name, Target Amount, Years Left, Priority (P1 = highest).
- Default goals: Child Education (P1) and House Down Payment (P2).
- You can delete or reorder priorities instantly.
The calculator automatically sorts goals by priority and funds them sequentially.
Smart Waterfall Allocation Engine (Heart of the Tool)
This is the most advanced part:
- Every year the portfolio grows with monthly compounding + step-up SIP.
- When a goal’s year arrives, the tool tries to fund it fully from the current corpus.
- If corpus is not enough, it shows shortfall and moves to the next goal.
- Higher priority goals are protected first.
- Leftover money continues growing for lower-priority goals and FIRE.
No other free Indian calculator does true sequential waterfall funding with existing corpus.
Live Results Dashboard
- Three Pill Summary Cards: Year-1 SIP, Corpus at FIRE, FIRE Status (On Track / Shortfall).
- Detailed FIRE Card — Explains exactly how the FIRE number was calculated, including inflation and LTCG gross-up.
- Goals Table:
- Monthly SIP required (standalone)
- Target amount (future value)
- Projected corpus
- Today’s present value
- Status (Funded or Shortfall in ₹)
- Portfolio Journey Chart (the most beautiful part):
- Green line = Accumulation phase
- Gold line = Withdrawal phase (only if FIRE is ON)
- Shows your wealth till age 100
- Updates instantly when you change any input
Step-by-Step Guide: How to Use the Multi-Goal FIRE Planner
Open the Calculator
Here is the link for the calculator : https://www.wealthpedia.in/multi-goal-funding-calculator/
Fill Core Inputs
Enter your monthly SIP capacity, current portfolio, age, expected return, and inflation.
Decide Step-Up SIP
Turn it ON and choose 10% (most realistic). Watch the preview.
Turn ON FIRE Mode
Enter your desired retirement age and current monthly expenses. Decide SWR and whether to apply LTCG tax.
Add Your Goals
Click + Add Goal as many times as needed. Example:
Goal 1 → House Down Payment → ₹25 lakh → 5 years → Priority 1
Goal 2 → Child Education → ₹60 lakh → 10 years → Priority 2
Goal 3 → Retirement Corpus (auto-added when FIRE is ON)
Click Anywhere or Just Wait
The calculator runs automatically on every change. No “Calculate” button needed.
Read the Results
Check the three pills first.
Read the FIRE explanation card.
Scroll to the table to see exact allocation per goal.
Study the chart — this is where most users get their “Aha!” moment.
Play “What-If” Scenarios
Change priorities, delay a goal, increase SIP, turn step-up off — everything updates instantly.
Benefits of Using This Calculator
- Saves hours of manual Excel work.
- Shows the real trade-offs between goals.
- Prevents over-saving for one goal at the cost of others.
- Gives you a single monthly number to act upon.
- Makes FIRE planning realistic by including multiple goals and taxes.
- Helps you visualise your money till age 100 — something no other tool does so clearly.
- Completely free, no login, no email, no data collection.
How This Calculator is Different & Superior to Other Tools in 2026
| Feature | Wealthpedia Multi-Goal FIRE Planner | Typical Multi-Goal Calculators (Groww, ET Money, Wealthify, etc.) | Typical FIRE Calculators |
|---|---|---|---|
| Single monthly SIP for all goals | Yes (waterfall) | Usually equal split or manual allocation | Not available |
| Priority-based sequential funding | Yes | Rarely available | No |
| Step-up SIP simulation | Yes (with preview) | Very few have it | Rare |
| Existing portfolio impact | Yes | Sometimes | Sometimes |
| FIRE integrated with multiple goals | Yes | Never | Separate tool |
| LTCG tax gross-up on withdrawals | Yes | Never seen in free tools | Rarely |
| Full portfolio journey chart to 100 | Yes (accumulation + withdrawal) | Basic bar charts only | Simple line only |
| Real-time updates on every change | Yes | Some require “Calculate” button | Yes |
| Number of goals supported | Unlimited | Usually 3–5 | Only retirement |
Verdict: Most tools are either “goal calculators” OR “FIRE calculators”. This is the only free tool that is both at the same time, with professional-level logic.
Unique Features No Other Calculator Offers
- True Waterfall Priority Funding — Money flows to highest priority goal first. Lower goals get only what is left. Real-life behaviour.
- LTCG Tax-Aware FIRE Calculation — Most FIRE calculators ignore tax on withdrawal. This one grosses up the corpus so your post-tax income matches your expense.
- Step-Up SIP + Existing Portfolio Simulation — Shows exactly how your current corpus grows and reduces future SIP burden.
- Portfolio Journey Chart with Decumulation Phase — You can literally see your money grow green, then turn gold and slowly come down till age 100.
- Instant What-If Analysis — Change one priority or delay one goal and everything recalculates instantly.
Real-Life Examples
Example 1: 38-year-old IT professional Monthly SIP ₹80,000 | Current portfolio ₹45 lakh | Wants house in 4 years + child education in 9 years + FIRE at 52. Result: Calculator shows he is on track for house and education but needs to increase SIP by ₹15,000 or delay FIRE by 2 years.
Example 2: 45-year-old couple Monthly SIP ₹50,000 | Wants to retire at 58. Calculator shows shortfall of ₹1.8 Cr because of LTCG tax. By turning step-up ON, the shortfall disappears.
Frequently Asked Questions (FAQs)
Is this calculator completely free?
Yes. No signup, no email, no hidden charges.
How many goals can I add?
As many as you want. The engine handles 10+ goals easily.
Does it consider taxes on gains?
Yes — only on the FIRE withdrawal phase via the LTCG toggle (12.5%).
Can I use it for different expected returns per goal?
Currently it uses one equity return for simplicity. This keeps calculations realistic and easy to understand.
Why is the chart going till age 100?
To show you the complete picture — whether your corpus will last throughout your lifetime after retirement.
Is the calculation accurate?
Yes. It uses monthly compounding (correct SIP formula) and exact waterfall logic used by professional financial planners.
Can I save my plan?
Currently the tool is for instant planning. You can take screenshots of the chart and table.
Conclusion
The Wealthpedia Multi-Goal FIRE Planner is not just another calculator — it is a complete financial co-pilot for every Indian family that wants to achieve multiple big goals without sacrificing retirement.
It forces you to make realistic trade-offs, shows you the exact impact of every decision, and gives you one clear monthly number to follow.
Try it today. Change one input. Watch the entire plan update instantly. You will immediately understand why this is the most advanced free planning tool available in India in 2026.
Ready to plan your multiple goals and FIRE together? Just scroll up and use the embedded calculator on this page.