GoalWealth Planner

GoalWealth Planner is a goal-based SIP planning tool that estimates required monthly investment for future financial goals using inflation-adjusted target values and return-based SIP calculations.

Live Deployment

• https://goalwealth-planner.vercel.app/

Core Financial Logic

Step 1: Inflate Goal Value

FV = Present Cost x (1 + Inflation rate)^Years

Where:

• FV = future goal value (inflated target)
• Inflation rate is entered as annual percent in UI

Step 2: Calculate Required Monthly SIP

Monthly rate:

• r = annual return / 1200 (because annual return is entered as %)

Total months:

• n = years x 12

Required SIP:

• SIP = FV x r / [((1 + r)^n - 1) x (1 + r)]

Zero-return fallback:

• If annual return is 0, calculator uses SIP = FV / n

What The App Covers

• Multi-goal planning with independent assumptions
• Separate inflation and return assumptions (clearly labeled in UI)
• Step-by-step methodology section with formula substitution
• Scenario analysis for different return assumptions
• Growth chart, timeline, yearly breakdown table, and PDF export
• Input completeness checks before showing projections

Compliance & Disclosure

• Educational use only; not investment advice
• Fixed inflation/return assumptions are used in projections
• Taxes, fund expenses, and exit loads are excluded from core model
• Results are indicative and can differ from real market outcomes

Accessibility & UX Highlights

• Skip link to main content for keyboard users
• Semantic headings, labels, and aria descriptions on forms
• Required-field guidance and missing-input checklist
• Focus-visible styling and reduced-motion support
• Responsive layout across mobile and desktop

Tech Stack

• Next.js (App Router)
• React
• Tailwind CSS
• Recharts
• jsPDF + html2canvas for export

Local Development

npm install
npm run dev

Open http://localhost:3000 in your browser.

Quality Checks

npm run lint
npm run build