Goal SIP Calculator

Work out the monthly SIP needed to hit a target amount

Your details

Use a return assumption that matches the funds or deposits you plan to hold.

Annual step-up increases the monthly instalment by this percentage each year.

Required Monthly SIP

₹0

Goal Amount:₹50,00,000
Total Investment:₹0
Gain over principal:₹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
Gain over principal₹0
Goal Amount₹50,00,000

Amount Breakdown

Total Investment0.0%
Gain over principal0.0%
0%

Investment

0%

Returns

At a glance

Annual Investment₹0
Gain as % of investment0%
Monthly Target₹41,667

Milestone timing

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 SIP

What this calculator does

Works backwards from a target amount: given a goal, tenure, and return assumption, it finds the monthly SIP (plus optional lump sum and annual step-up) needed to reach that figure. This is the inverse of a standard SIP calculator.

How it works

Any lump sum is projected to the goal date first. The remaining amount is filled with a flat monthly SIP using the future-value-of-annuity formula. With step-up, the tool searches for a starting SIP that grows each year by your chosen rate.

Example: ₹50 lakh goal in 10 years, 12% return, ₹1 lakh upfront → starting SIP about ₹20,385/month, total invested about ₹25.5 lakh, gains about ₹24.5 lakh.

Setting the goal amount

Enter the amount you need in today's terms only if you have already adjusted for inflation. For education or retirement 10+ years out, bump the target for expected price rises — this tool does not inflate the goal automatically.

Step-up SIP

If you expect salary hikes, a step-up lowers the starting instalment because later years contribute more. The figure shown is year-one SIP; subsequent years increase by the step-up percentage you entered.

What is not included

Market volatility, exit loads, taxes on redemption, and SIP pauses are not modelled. Returns are assumed steady at your input rate. The milestone cards and "gain as % of investment" row are illustrative, not XIRR.

Before you start the SIP

Keep an emergency fund outside this goal. Review the amount yearly — if returns trail your assumption or the goal date moves, adjust the SIP. Match fund choice to how far away the goal is; shorter goals usually need lower-volatility options.

Disclaimer: Figures are estimates. Actual corpus depends on market returns, fees, and whether you maintain the SIP schedule.

Questions & answers

How is monthly SIP for a goal calculated?
Works backward from target amount, years, expected return, optional lump sum today, and optional annual step-up in the SIP. It is the opposite problem from the SIP calculator, which starts from a fixed monthly amount.
Should the goal amount include inflation?
Only if you have already bumped the target for future prices. A ₹20 lakh education goal in 15 years might need ₹40–50 lakh in nominal terms — inflate the goal yourself or use the inflation calculator first.
Are milestone year cards exact?
They use the same fixed-return assumption as the main result. They are a timeline view, not fund NAV or XIRR from a real portfolio.

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