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Goal SIP Calculator

Most SIP maths runs forward — 'what does ₹10,000 a month become?'. Goal planning runs backward: you know the target (a house down payment, education, ₹1 crore), and need the monthly instalment that gets there. This calculator solves for that number.

Enter the target, the horizon and an expected return. Optionally add an inflation rate: the calculator then inflates your today-rupees target into future rupees first, which is the honest way to plan a distant goal.

Your goal
₹
years
% p.a.
% p.a.
Set ~6% to plan for what the goal will actually cost then; 0 plans in today's rupees.
What it takes
Required monthly SIP
₹19,819
You would invest in total₹35,67,352
Compounding contributes₹64,32,648
Or a one-time lumpsum today₹18,26,963
Same annuity-due convention as the SIP calculator. If the number is out of reach, extend the horizon or use an annual step-up — don't fix it by assuming a higher return.

How it works

  • Inverts the SIP future-value formula to solve for the monthly instalment.
  • With inflation set, the target is first grown to its future-rupee equivalent: target × (1 + f)^years.
  • Also shows the one-time lumpsum that would reach the same target if invested today.
P = Target × i ÷ ((1 + i)^n − 1) ÷ (1 + i) where i = return ÷ 12, n = months

Frequently asked questions

How much SIP do I need for ₹1 crore in 15 years?

At 12% expected return, roughly ₹20,000 a month; at 10%, about ₹24,000. But ₹1 crore in 15 years is worth about ₹42 lakh today at 6% inflation — enter the inflation rate and the calculator sizes the SIP for the real goal.

Should I plan with the inflated target?

For any goal more than a few years out, yes. A target set in today's rupees quietly shrinks in purchasing power every year; inflating it converts 'a number' into 'the actual thing you are trying to afford'.

What if the required SIP is more than I can invest?

Three levers, in order of power: extend the horizon (compounding does the heavy lifting), start smaller with an annual step-up (see the step-up SIP calculator), or revisit the target. Assuming a higher return to make the number fit is the one lever that reliably backfires.

Should I use one SIP per goal?

Separate folios or funds per goal make progress visible and withdrawals clean — you never have to decide whose money you are redeeming. It is bookkeeping, not maths, but it keeps plans honest.

Related tools

SIP CalculatorStep-up SIP CalculatorInflation & Real Return CalculatorLumpsum Calculator

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This tool is an educational estimate, not investment or tax advice. Rates and rules change — verify current figures and consult a professional before acting.