Goal SIP Calculator

Calculate monthly SIP amount needed to achieve your financial goals

Goal Details

Equity funds: 12-15%, Balanced funds: 10-12%, Debt funds: 6-8%

Increase your SIP by this percentage every year to reach goals faster

Required Monthly SIP

₹0

Goal Amount:₹50,00,000
Total Investment:₹0
Wealth Gain:₹0
Time Period:10 Years

Investment Summary

Financial Goal₹50,00,000
Time to Achieve10 Years (120 Months)
Expected Return12% p.a.
Initial Investment₹1,00,000
Its Future Value₹0
Required Monthly SIP₹0
Total Investment₹0
Wealth Gain₹0
Goal Amount₹50,00,000

Amount Breakdown

Total Investment0.0%
Wealth Gain0.0%
0%

Investment

0%

Returns

Key Metrics

Annual Investment₹0
XIRR / Return Rate0%
Monthly Target₹41,667

Goal Milestone Timeline

25%
of goal
Amount:₹12,50,000
Time:10.0 years
Invested:₹1,00,000
50%
of goal
Amount:₹25,00,000
Time:10.0 years
Invested:₹1,00,000
75%
of goal
Amount:₹37,50,000
Time:10.0 years
Invested:₹1,00,000
100%
of goal
Amount:₹50,00,000
Time:10.0 years
Invested:₹1,00,000

Year-by-Year Projection

YearMonthly SIPAnnual InvestmentTotal InvestedPortfolio ValueGains
1₹0₹0₹1,00,000₹1,12,000₹12,000
2₹0₹0₹1,00,000₹1,25,440₹25,440
3₹0₹0₹1,00,000₹1,40,493₹40,493
4₹0₹0₹1,00,000₹1,57,352₹57,352
5₹0₹0₹1,00,000₹1,76,234₹76,234
6₹0₹0₹1,00,000₹1,97,382₹97,382
7₹0₹0₹1,00,000₹2,21,068₹1,21,068
8₹0₹0₹1,00,000₹2,47,596₹1,47,596
9₹0₹0₹1,00,000₹2,77,308₹1,77,308
10₹0₹0₹1,00,000₹3,10,585₹2,10,585

About Goal-Based SIP Planning

What is Goal SIP Calculator?

A Goal SIP Calculator helps you determine how much you need to invest monthly through SIP (Systematic Investment Plan) to achieve a specific financial goal. Instead of asking "how much will I accumulate?", this calculator answers "how much should I invest to reach my goal?"

Common Financial Goals

🏠 Home Purchase: Save for down payment or full house value
🎓 Child's Education: College fees, abroad education
💍 Wedding Expenses: Plan for wedding costs in advance
🚗 Vehicle Purchase: Save for car or bike down payment
🌅 Retirement Corpus: Build retirement fund early
🏝️ Dream Vacation: International trip or extended holiday

What is Step-up SIP?

Step-up SIP allows you to increase your monthly investment by a fixed percentage every year. This is highly beneficial as:

  • Aligns with your income growth (salary increments)
  • Helps reach goals faster with lower starting SIP
  • Combats inflation by increasing investment amounts
  • More sustainable approach for long-term goals
  • Builds financial discipline gradually

Expected Returns Guide

Equity Mutual Funds:12-15% p.a.
Balanced/Hybrid Funds:10-12% p.a.
Debt Mutual Funds:6-8% p.a.
Index Funds:10-12% p.a.

* These are historical averages. Past performance doesn't guarantee future returns.

Tips for Goal-Based Investing

  • Start early - time is your biggest ally in wealth creation
  • Choose return expectations conservatively to avoid disappointment
  • Review and adjust your SIP annually based on market performance
  • Consider step-up SIP to align with salary increments
  • Don't panic during market corrections - stay invested
  • Diversify across different fund categories based on risk appetite
  • Match investment tenure with goal timeline (equity for long-term goals)
  • Account for inflation when setting goal amounts

Example Scenario

Goal: Save ₹50 lakhs for child's education in 15 years

• Expected Return: 12% p.a.

• Initial Investment: ₹1 lakh

• Step-up: 10% annually

→ Required Starting SIP: ₹8103

With annual 10% increase, you'll reach your goal comfortably while starting with a manageable amount.

💡 Pro Tips

  • • Use inflation-adjusted goal amounts for long-term goals
  • • Keep emergency fund separate from goal-based investments
  • • Automate SIP payments to maintain discipline
  • • Rebalance portfolio periodically as you near your goal
  • • Consider tax-saving ELSS funds for goals beyond 3 years