Goal SIP calculator
Have a target in mind? Enter the amount, your time frame and an expected return to get the exact monthly SIP needed to reach it — the smart way to invest for a specific goal.
Your goal
Tweak the numbers — results update live
₹35.67L
You invest
over the period
₹64.33L
Returns
market does the rest
₹1Cr
Target
your goal
The path to your goal
Invested vs value, year by year
Monthly SIP needed
₹19,819
Begin with the end
Reverse-engineer your investment
Goal-based investing flips the usual question. You know the number you need and when — this works out the monthly SIP to get there, so every rupee you invest has a job.
- 1
Name the goal
A home down payment, a car, a wedding, a child’s education — set the amount.
- 2
Set the horizon
When you need the money. Longer horizons need much smaller SIPs.
- 3
Pick a return
Choose a realistic expected return for the assets you’ll use.
- 4
Get your SIP
The calculator backs out the exact monthly amount to reach the goal.
Questions
Frequently asked
A goal SIP works backwards from a target. Instead of asking “what will ₹10,000 a month become?”, it asks “what monthly SIP do I need to reach ₹1 crore in 15 years?”. This calculator computes that exact monthly investment for any target, return assumption and time frame.
The future value of a ₹1/month SIP over your time frame at the expected return is computed using the annuity-due formula; your target is then divided by that factor to get the monthly amount. Because the future value scales linearly with the SIP, the result is exact — double the target and the SIP doubles.
Match the assumption to the asset and horizon. For long-term goals (7+ years) in equity funds, 10–12% is common; for shorter goals where you’ll use debt or hybrid funds, 7–9% is safer. A conservative return means a slightly higher SIP but a more dependable plan.
You have three levers: extend the time frame (a longer horizon sharply lowers the monthly amount), aim for a slightly lower target, or accept a higher-risk, higher-return allocation. You can also start lower and step up the SIP each year as your income grows — see our step-up SIP calculator.
It’s cleaner to run a separate SIP per goal — retirement, a home, a child’s education — so you can track each independently and choose a suitable fund and horizon for each. Use this calculator once per goal to find the SIP each one needs.