Tag your Zerodha SIPs to life goals. See exactly when you'll hit them.

Gooal is a goal-based investment tracker for Zerodha users in India. You connect your own Kite Connect Personal API key, tag each SIP to a personal goal (like 'Car by 2026' or 'Emergency fund'), and Gooal forecasts the date you will reach the goal using XIRR computed from your real order history.

Indian retail investors who already invest in mutual funds through Zerodha (Coin) and want to know whether their existing SIPs will actually reach specific life goals — without manually maintaining a spreadsheet.

Every SIP instalment is treated as a real cash flow. Gooal pulls your order history from Kite, computes XIRR (extended internal rate of return) from those cash flows and the latest NAV, and projects forward to the target amount you set for the goal. The forecasted completion date updates automatically when NAV or your contributions change.

Yes. You can split a single SIP across multiple goals by allocation percentage, or tag two or three different funds to the same goal. Allocations always sum to 100% per SIP.

No. Gooal never sees your Zerodha username, password, or 2FA. It only uses the Kite Connect Personal API key you generate yourself, and that key only authorises read access to your holdings and orders. Gooal cannot place trades, withdraw money, or move funds.

Your Kite API key and secret are encrypted at rest in the database with AES-256-GCM. They are decrypted in-memory only when Gooal needs to call Kite on your behalf. Plaintext credentials are never logged and never sent back to the browser.

No. SIP data, holdings, NAVs, and instalments are fetched live from Zerodha on demand. Gooal stores only goal metadata (name, target amount, target date, SIP-to-goal mapping) plus your encrypted credentials.

No. Gooal is not a broker, distributor, or investment advisor. It is a personal-finance tracking tool that visualises data from your own Zerodha account. All trades and investments continue to happen inside Zerodha.

Sign up at developers.kite.trade with your Zerodha credentials, create a free Personal app, set the redirect URL to https://gooal.in/api/kite/callback, then paste the API key and API secret into Gooal once. The whole setup takes about three minutes.

Gooal uses Zerodha's free Kite Connect Personal tier, which has no monthly fee for individual users. There is no broker charge added by Gooal for using your own credentials.

Yes. Each goal supports a what-if slider — you can simulate increasing or decreasing your monthly SIP and instantly see how the projected completion date moves earlier or later.

A spreadsheet drifts the moment NAVs change or you skip an instalment. Gooal pulls live data from Zerodha every time you open it, recomputes XIRR from your actual cash flows, and updates every goal's ETA automatically.