Monthly and Lumpsum requirements for a goal are calculated by taking into account the asset allocation that is assumed over the goal period. Let's understand this with an example. 

Year Equity Allocation Debt Allocation Average Return
2016-2023 100% 0% 14%
2023-2025 75% 25% 12.25%
2025-2027 50% 50% 10.5%
2027-2029 25% 75% 8.75%
2029-2030       0% 100% 7%

In the above case, the system calculates the monthly and lumpsum required based on average returns over the period of the goal.

It is important to note that as you start allocating assets from the asset section to this goal, the system will recalculate the monthly and lumpsum required every time.