Dream Vacation Calculator

What is the Dream Vacation Calculator?

This tool helps you reverse-calculate how much to invest every month to fund a future trip. You enter your trip timeline, today’s cost, expected return, and inflation. The calculator then projects the future cost (inflation-adjusted) and tells you the monthly SIP needed to reach it - without derailing other goals.

How to use this calculator?

• Set Years to vacation (when you plan to travel).
• Enter Trip cost today (₹) (airfare, stay, visas, local travel, buffer).
• Choose Assumed inflation % for travel costs (airfare/hotels often rise faster than general inflation).
• Get Corpus Required (future cost), Monthly Investment, Invested Amount, and Estimated Gain.

What your result means?

• Corpus Required: How much you’ll likely need in the year of travel (today’s cost grown by your inflation %).
• Monthly Investment: The SIP needed to reach that corpus at your chosen return %.
• Invested Amount: Total you’ll put in over the period.
• Estimated Gain: Growth on your contributions (nominal, before taxes/fees).

Method & assumptions

• Future cost = today’s cost grown by your inflation rate each year.
• Monthly SIP is computed using the future value of a series with monthly compounding.
• Contributions are assumed at end of each month; results can differ slightly across sites due to rounding/timing conventions.
• This is an educational estimate; it excludes taxes, fees, and forex mark-ups. Market returns are not guaranteed.

Example

Trip cost today:₹5,00,000, Years: 5, Inflation: 8%

Future cost needed: ~₹7,34,664

• If you assume 8% annual return - ₹10,000/month
• If you assume 10% annual return - ₹9,500/month
• If you assume 12% annual return - ₹9,000/month

Tip: Plan with a conservative return and realistic inflation (airfare/hotels can be lumpy).

Tips to hit your target

Trip cost today:₹5,00,000, Years: 5, Inflation: 8%

Future cost needed: ~₹7,34,664

• Start early; small SIPs + time beat last-minute lump sums.
• Add a buffer (10–15%) for currency moves and peak-season pricing.
• Lock major costs (visas/tickets) early when feasible, but keep investing the remainder.
• If your income grows annually, consider a Step-Up SIP on a separate page/tool.

Tip: Plan with a conservative return and realistic inflation (airfare/hotels can be lumpy).

Tips to hit your target

Trip cost today:₹5,00,000, Years: 5, Inflation: 8%

Future cost needed: ~₹7,34,664

• Start early; small SIPs + time beat last-minute lump sums.
• Add a buffer (10–15%) for currency moves and peak-season pricing.
• Lock major costs (visas/tickets) early when feasible, but keep investing the remainder.
• If your income grows annually, consider a Step-Up SIP on a separate page/tool.

Tip: Plan with a conservative return and realistic inflation (airfare/hotels can be lumpy).

Good next steps

Check our SIP Calculator for other goals (education, gadgets, festivals).

CPlan bigger, inflation-aware goals with our Retirement or FIRE Calculators.

FAQs