Lifestyle Reverse Engineer

Each dream becomes a dated rupee goal — home at age 35, kid 1’s school fees year-by-year, college at year 18, retirement at 55, etc.

Each goal is inflated by its category rate: 7% for real estate, 10% for education, 6% general, with post-retirement balanced returns at 8%.

For each goal we compute the monthly SIP that — growing at your chosen CAGR — hits the inflated target by the target year.

We sum the per-goal SIPs into a total monthly investment, then back out the required pre-tax monthly income at a sustainable 30% savings rate.

We test whether that income is reachable from your current salary at a typical 10% annual-hike trajectory — and flag the combination as red/orange/yellow/green.