Creating a goal
- Goals → Add Goal. Type (Retirement, Child Education, House, Car, Travel, Wedding, Emergency fund, or Custom), a name, who it is for, and a priority.
- The numbers. For retirement: your age now, the age you want to retire, today's monthly expenses, inflation and expected return. For a child's education: the child's age and the course; the app sets the start date itself. For other goals: today's cost and the year.
- The app shows the future cost, the corpus needed, and the answer: the monthly SIP from today, or the lump sum needed today, with the suggested equity/debt split for that horizon.
- Review and create. The goal appears on the road with its year, have-today, need-today and status.
Retirement: inflation and the safe withdrawal rate
Today's ₹50,000 a month at 7% inflation is ₹93,000 a month in nine years. The corpus has to pay that for the rest of your life, so the app sizes it with a safe withdrawal rate (SWR): the share you can take out in the first year, with the rest staying invested, so the money lasts until 85.
| Years the money must last | SWR | Corpus = yearly expenses × |
|---|---|---|
| 40 or more (retire before 45) | 3.0% | 33 |
| 35–39 | 3.3% | 30 |
| 25–34 (around 55) | 4.0% | 25 |
| 18–24 | 5.0% | 20 |
| under 18 (retire after 68) | 6.0% | 17 |
Retire at 52 on ₹93,000 a month and the corpus is about ₹2.8 crore. The retirement corpus calculator runs the same maths without sign-in, and the three-bucket guide explains how the corpus is spent.
Which money is for which goal
You do not link funds to goals one by one. Click Money for goals, and you see every investment of the family. Tick the ones that are for goals in general: your funds, the FD, the EPF; leave out the kids' own portfolios and the house. The app then shares that pool across all goals by itself: the near goal gets the safe money (the FD, the hybrid funds), the far goals get the equity, EPF and PPF go to retirement only. Open Investments on any goal to see exactly which funds and how much of each it uses.
The glide path
A goal ten years away can sit in equity. The same goal one year away should not, because a bad year right before the date cuts the corpus with no time to recover. The glide path is the equity share the app targets for a goal by the years left:
| Years to the goal | Equity target |
|---|---|
| more than 10 | 85% |
| 7–10 | 75% |
| 5–7 | 65% |
| 3–5 | 50% |
| 1–3 | 30% |
| under 1 | 10% |
| Emergency fund | 0% (all safe) |
Retirement eases from 85% to 75% between ten and five years out, and in the last five years follows the bucket plan instead. When a goal's equity is a few points above its path, the goal card shows the step: for example 2029: move ₹4.2 L from the flexicap fund to the FD, with the fund names and units. Steps only trigger while the market is near its high, so you are never told to sell at a low. Goals paid over several years (four years of college fees) glide each year's part separately.
On track or not
Each goal shows Have today (its share of the pool), Need today (what, growing at the expected return, reaches the target by the date) and the gap. On track means nothing to add. If it drifts, the gap is shown as an extra SIP or lump sum, and the daily email carries it until it is closed.
Try it without signing in
The public goal planner runs the same calculations for a retirement, education or custom goal and shows the year-by-year plan. Sign in to run it on your real investments with the glide path and alerts.
A goal on the road
Funded from your own funds, with the next step on the glide path.
- Bank FD 65% of it₹7.8 L
- Multi asset fund 31% of it₹6 L
- Multi factor fund₹5.9 L
You tick which investments are for goals; the app shares them: near goals get the safe money, far goals the equity.
Your actual funds, EPF and FDs fill the jars. Every year of the plan becomes a step like this.
Last updated 15 Oct 2026 · by Jagadeesh Manne, who built Capital Friends for his own family.
Put real money against this goal
In Capital Friends every goal gets a road: which of your funds are counted for it, how much is still short, and when to move money from equity to safe as the date comes near. Free, no bank login.
Frequently asked questions
Do I need to assign each fund to a goal?
No. Tick which investments are for goals in general; the app shares them, giving near goals the safe money and far goals the equity. You can see and adjust the result on each goal.
How is the retirement corpus calculated?
Today's monthly expenses are inflated to the retirement year, then a safe withdrawal rate that depends on how long the money must last (3% if you retire before 45, 4% around 55, up to 6% after 68) sizes the corpus. The gap after existing savings becomes the SIP needed.
What is a glide path?
The equity share the app targets for a goal by the years left: 85% far out, down to 10% in the last year. As the date comes near it suggests moving a little each year from equity to safe funds, only in good markets.
Does the app move the money?
No. It shows the step with fund names and amounts; you place the switch where you invest and record it.
Can a goal be paid over several years?
Yes. College fees over four years are four parts, each with its own glide path, so the fourth year's money stays in growth longer than the first year's.
Is this investment advice?
No. The plan is computed from your own numbers and standard rules; what you invest in and when is your decision.
Read next
Three buckets, refilled in good years, so you never sell in a crash.
Corpus you need at retirement and the SIP to reach it.
Plan retirement, education or any goal with the app's own planner, no sign-in.
Target allocation, drift, and rebalancing by SIP, lump sum or buy-and-sell.
All family funds from one CAS import, with real money-in, XIRR and CAGR.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.