Plan your getaway

Dream Vacation Calculator

Pick the trip style, travellers, and timeline. We'll keep the inflation math and return bands in sync to show the monthly SIP you need.

Inflation-aware Travel presets
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Dream Vacation Calculator illustration

Dream Vacation Planner

Set destination, travellers, and timeline

Preset costs snap into place; every control updates live.

Inflation fixed at 7%

Destination

Pick where you're going

Presets

Selecting a suggestion applies per-person presets for your travel style.

Costs

Stay in sync

Live

Minimum 1 traveller.

Auto-formats with ₹ and Indian commas.

Trip cost today

Auto = per-person x travellers. Click to type.

Timeline

When do you want to go?

Return auto-set

Target in years

Return band auto-adjusts by horizon (about 6% to 12%).

Monthly investment

₹ 0

for 5 years (~60 months)

Return band: 8% p.a.
Corpus required ₹ 0
Trip cost today ₹ 0
Invested amount ₹ 0
Estimated gain ₹ 0

Future cost grows at 7% annually. SIP compounds monthly at the return band for your horizon.

Projection

Invested vs goal

Chart

What is the Dream Vacation Calculator?

It reverse-calculates the monthly SIP you need for a future trip by blending today’s cost, your timeline, inflation, and the auto-set return band.

How to use it

  • Set your travel year and number of travellers.
  • Type today’s cost (airfare, stay, visas, local travel, buffer).
  • Inflation is fixed at 7%; the return band auto-sets by timeline (about 6–12%).
  • See corpus required, monthly SIP, invested amount, and estimated gain.

What your result means

  • Corpus required: Future cost grown at 7% inflation.
  • Monthly investment: SIP needed to hit that corpus.
  • Invested amount: Total you’ll put in.
  • Estimated gain: Growth on contributions (before taxes/fees).

Method & assumptions

  • Future cost grows annually at a fixed 7% travel inflation.
  • Monthly SIP uses future value of a series with monthly compounding.
  • Contributions assumed at end of month; rounding can vary across sites.
  • Educational estimate only; excludes taxes, fees, forex mark-ups.

Example

Trip cost today: ₹5,00,000 · Years: 5 · Inflation: 7%

Future cost needed: ~₹7,01,276

  • At the 5-year return band (8%): ~₹9,544/month

Tip: Use conservative returns and realistic inflation; this tool already bakes in 7% inflation.

Tips to hit your target

  • Start early; time plus SIP beats last-minute lump sums.
  • Add 10–15% buffer for currency moves and peak pricing.
  • Lock big costs early when feasible; keep investing the rest.
  • Consider a step-up SIP if your income grows yearly.

Good next steps

FAQs

This calculator bakes in 7% travel inflation. If you expect higher (peak season or volatile currency), pad your trip cost input by 10–15% as a buffer.
Returns aren’t guaranteed. The tool sets a band automatically: roughly 6% for ≤3 years, 8% for 4–7 years, 10% for 8–10 years, and 12% beyond that.
Differences come from compounding frequency, contribution timing (begin vs end of month), rounding, and whether inflation is applied.
No. Results are nominal projections. Taxes depend on the fund and holding period; forex mark-ups depend on your card/operator. Add a budget buffer to be safe.
Yes. Add your lump sum to reduce the monthly requirement. If you’re using a separate Lumpsum tool, compare both paths to balance cash flow and market risk.
Great - just update the year. A longer horizon typically reduces the monthly SIP needed for the same goal.