Goal SIP Calculator
Find the monthly SIP you need to reach a target amount by a target date.
₹19,819
invested every month to reach ₹1,00,00,000.
You invest
₹35,67,352
Est. growth
₹64,32,648
How the Goal SIP Calculator works
Instead of guessing how much to invest, a goal SIP works backwards from your target: you tell it the amount you want and when you want it, and it calculates the exact monthly SIP needed at your expected return.
It's the practical way to plan for real goals — a home down payment, a child's education, or ₹1 crore for retirement.
Required monthly SIP
SIP = FV × i / [ ((1 + i)ⁿ − 1) × (1 + i) ]
FV = target amount, i = monthly return, n = months.
Frequently asked questions
How does a goal SIP work?+
You enter your target amount, time frame and expected return; the calculator solves for the monthly investment that reaches that target.
What return should I assume for a goal SIP?+
For long goals via equity funds, 10–12% is commonly modelled; for shorter goals, use lower, safer estimates. Being conservative avoids under-saving.
What if I can't invest the required amount?+
Extend the time frame, increase the amount gradually with a step-up SIP, or aim for a smaller target — the calculator lets you test each.