Goals & family
Set life goals. Fund them
with real investments
Create a goal in 3 simple steps: what it is, what it really costs after inflation, and which of your actual investments fund it. After that, progress, drift and delays are tracked for you, honestly.
Total goals
2
0 on track · 2 need attention
On track
0/2
0% of goals are on schedule
Target total
₹50L
across all goals, today's value
Total saved
₹16.29L
32.6% of target reached
Riya's Education
Target Jun 2031 · 58 mo left (4.8 yrs)
₹11.63L
of ₹25L
Inflation adj.
₹33.13L @ 6% p.a.
35.1% of inflation-adjusted
Projected
Dec 2032 (delayed)
at current SIP pace
+3 more ▾
Product shown with real example data.
3-step goal wizard
type, cost, funding
Inflation-adjusted
₹25L today = ₹33.24L in 2031
Funded by real assets
% allocation per investment
Honest tracking
'Behind' actually means behind
Step 1 · Goal basics
Pick a goal type,
a name and a date
Eight ready goal types with sensible defaults: home, education, retirement, wedding and more. Name it, set the target date (quick chips for 2, 5, 10 or 20 years), done.
Each goal also gets an importance level (must-have, important, or nice-to-have), used when a shortfall forces a trade-off, so the app knows what to protect first.
What's the goal?
Goal name
Riya's Education
Target date
11/06/2031
59 months · 4.9 years away
Importance used when shortfalls force a trade-off
Must-have
Sacrifice last
Important
Balanced
Nice-to-have
Sacrifice first
Target amount in today's money
₹25,00,000
Expected inflation rate
6% per year
What it'll cost in Jun 2031
₹33.24L
That's ₹8.24L more than today, after 6% inflation over 4.9 years.
Monthly SIP needed
₹27,052/month
To hit ₹33.24L by Jun 2031, assuming 12% returns and your ₹11.63L starting corpus.
Step 2 · Money & timeline
See the real cost
after inflation
You enter the target in today's money: ₹25L. The app shows what it will actually cost by your date: ₹33.24L by June 2031 at 6% inflation. That's ₹8.24L most calculators quietly ignore.
Then the monthly SIP needed is computed from what's actually missing: the future cost minus your ₹11.63L already linked, not from zero.
Step 3 · Funding
Fund the goal from
investments you own
This is the step other apps don't have. Instead of a made-up "monthly saving" number, you link your actual holdings (stocks, funds, FDs, PPF, gold), each with a percentage allocation. Link 75% of an FD, and that much counts toward the goal.
One investment can fund several goals with different splits, and the app keeps you honest: NIFTYBEES here is already 100% used across two goals, so trying to claim more shows an over-allocation warning immediately.
Linked
₹11.63L
46.5% covered
Target
₹25L
Jun 2031
Future cost
₹33.24L
@ 6% p.a.
SIP needed
₹27,052
per month
Link investments to this goal
Same investment can fund multiple goals. Set a % allocation for each.
TCS
Papa⚠ 25% used₹49,247of ₹1.97LRELIANCE
Papa⚠ 50% used₹89,948of ₹1.8LNIFTYBEES
Papa⚠ 100% used₹1.21Lof ₹2.43LOver-allocated — max 0%
Who funds what · real splits across both goals
NIFTYBEES
Papa100% usedRELIANCE
PapaITC
PapaTCS
PapaThe funding screen groups selections by family member. Everyone sees who contributes what.
Family funding
The whole family
can fund one goal
Goals work across portfolios. In this family, Papa's stocks and FDs fund Riya's education. ₹3.25L of the equity selection comes from his portfolio alone.
And one investment can serve two goals: NIFTYBEES is split 50% to Riya's Education and 50% to the Home Down-payment. 100% used, tracked, and protected from double-counting.
Tracking
Progress, drift and delays,
tracked automatically
Every goal card answers the question that matters: will I make it in time? The Home Down-payment targets July 2031, but at the current saving pace the app projects October 2031, so it's marked Behind, in plain sight.
Because linked investments are priced daily, progress moves with the market. No manual updates, no stale numbers, and the monthly amount needed always reflects today.
Home Down-payment
Target Jul 2031 · 59 mo left (4.9 yrs)
₹4.66L
of ₹25L
Inflation adj.
₹33.29L @ 6% p.a.
14% of inflation-adjusted
Projected
Oct 2031 (delayed)
at current SIP pace
+2 more ▾
The result
All your goals
on one screen
Every goal with its progress, its inflation-adjusted target, its projected date and the real investments behind it, updated daily as markets move. This is the live goals screen:
Edit goal
Plan your future. Track every step.
What's the goal? *Pick a category — we'll set sensible defaults
Goal name *
Target date *59 months · 4.9 years away
ImportanceUsed when shortfalls force a trade-off
₹11.63Lof ₹25L
Target amount in today's money *What it would cost right now
Expected inflation rate6% per year
What it'll cost in Jun 2031
₹33.27L
That's ₹8.27L more than today, after 6% inflation over 4.9 years.
Monthly SIP needed
₹27,084/month
To hit ₹33.27L by Jun 2031, assuming 12% returns and ₹11.63L starting corpus.
₹11.63Lof ₹25L
Goal
Riya's EducationLinked
₹11.63L · 46.5%Target
₹25L · Jun 2031Future cost
₹33.27L @ 6%SIP needed
₹27,084/moLink investments to this goalSame investment can fund multiple goals — set % allocation for each
Live demo: the real goals page, same numbers.
Before you sign up
Which app helps parents plan for a child's education in India?
WealthGamma turns an education goal into a number and a date. You enter today's cost and the year it is due, and it shows the inflation-adjusted cost and the monthly amount still missing. The goal is funded from investments your family already holds.
Can I see my whole family's wealth in one place?
Yes. Every family member has a portfolio under one login, and WealthGamma adds them into one family net worth. A goal can draw on any member's investments. Extra portfolios need a paid plan: Investor covers 3 and Wealth Pro covers 10.
Is goal planning free?
The Free plan includes 1 goal on 1 portfolio, with no card and no expiry. The paid plans add unlimited goals and more portfolios.
How is the future cost of a goal calculated?
From your target amount in today's money, your target date, and an inflation rate you control. Riya's Education is ₹25L today; at 6% inflation over 4.9 years, the app shows it will actually cost ₹33.24L by June 2031, and plans for that number, not today's.
What does linking an investment to a goal actually do?
The percentage you allocate counts toward the goal's corpus. Link 75% of an FD worth ₹6.26L and ₹4.7L counts toward the goal. The monthly SIP needed then recalculates from what's still missing, not from zero. The same investment can fund several goals with different percentages.
Can one investment fund two goals?
Yes, with a percentage split. In this family, NIFTYBEES funds Riya's Education (50%) and the Home Down-payment (50%). The app tracks total usage per asset and warns you the moment a goal tries to claim more than 100%.
Can family members' investments fund one goal?
Yes. Goals work across portfolios. In this example, Papa's stocks and FDs fund Riya's education. The funding screen groups your selection by family member, so everyone can see exactly who is contributing what.
What does 'Behind' mean on a goal card?
The app projects when you'll actually reach the goal at your current saving pace, and compares it with your target date. Riya's Education targets June 2031 but projects to December 2032, so it's marked Behind, with the monthly amount needed (₹23,046) to get back on schedule.
Do goals connect to projections?
Yes. A goal can be linked to a milestone in your projection plan, and a Home Purchase milestone can draw its down payment from whichever assets the goal is tracking. Your goals and your long-term projection stay one consistent story.
Everything included
- 3-step goal wizard: basics, money & timeline, funding
- Inflation-adjusted future cost, at a rate you control
- Monthly SIP needed, computed from your linked corpus
- % allocation per investment: one asset can fund many goals
- Over-allocation warnings across all goals
- Fund a goal from any family member's portfolio
- Projected completion date at current pace, delays flagged
- Goals plug into projections and milestone down-payments
- One login, unlimited family portfolios: consolidated or per member
- Portfolio-to-portfolio transfers preserving cost basis
Explore the rest of the product
Track your family's net worth for free
Everything you own and owe on one screen, for every family member. 14 days of full access, no card. Then one portfolio stays free forever.
PAN not required · No broker linking · No OTPs