Goal SIP Calculator
Find the monthly SIP you need to reach a target corpus — enter your goal, timeframe and expected return to get the required monthly investment.
How it works
Required monthly SIP = goal ÷ ( [((1 + i)^n − 1) ÷ i] × (1 + i) ), with i = annual return ÷ 12 and n = months. When i = 0 it reduces to goal ÷ n.
Instead of guessing an instalment and checking the maturity value, a goal-based SIP works backwards: it starts from the amount you want and solves for the monthly investment that reaches it. The higher your expected return or the longer your horizon, the smaller the instalment needs to be, because compounding supplies more of the target. It turns a vague ambition into a concrete monthly commitment.
Worked example
To build ₹1 crore in 15 years at a 12% expected return you need to invest about ₹19,800 a month. Over those years you contribute roughly ₹35.7 lakh, and compounding supplies the remaining ₹64 lakh or so of the goal.
Frequently asked questions
Should I add inflation to my goal?
Yes, for future expenses like education or a home. Inflate the target to its value in the goal year first, then find the SIP for that larger figure, so the corpus has real purchasing power when you need it.
What if I cannot afford the required SIP?
Extend the timeframe, raise your expected return by taking on more equity, or use a step-up SIP that rises each year. Even starting smaller and increasing later beats not starting.
How often should I review the plan?
Once a year is enough. Check whether your corpus is on track versus the projection and adjust the instalment if returns, income or the goal itself have changed.
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Educational estimate only, not investment advice. Mutual-fund and market-linked returns are not guaranteed and past performance does not predict the future. Verify current fund details and consult a SEBI-registered adviser.