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🎯 Target Payoff by 2030: Exact Steps

Plan backwards from your goal year. Use the calculator to get the exact EMI or lumpsum needed.

Step 1: Set the Goal

Open the EMI Increase Impact and enable Target Completion Year in the One-time tab. Choose 2030.

Step 2: Choose Your Path

  • Required EMI: Increase EMI to the shown value to finish by 2030.
  • 6‑month Lumpsum: Keep your chosen EMI; plan a lumpsum within 12 months to meet the target.

Step 3: Execute

Automate step-up increases annually and earmark bonus/surplus for the 6‑month prepayment. Track progress yearly.