Goal-Based SIP Calculator
Find out the exact monthly SIP you need to reach your financial goal
Define Your Goal
Enable to increase your SIP amount every year
Path to Your Goal
How your investments grow towards ₹50.00 L
3-Scenario Analysis
Monthly SIP needed under different return assumptions
Investment vs Returns
How much is your money vs how much the market earns for you
Year-by-Year Progress
Track your journey towards ₹50.00 L
| Year | Invested | Value | Returns | % of Goal |
|---|---|---|---|---|
| Year 1 | ₹1.19 L | ₹1.27 L | ₹8,020 | 3% |
| Year 2 | ₹2.38 L | ₹2.70 L | ₹32,137 | 5% |
| Year 3 | ₹3.57 L | ₹4.31 L | ₹74,393 | 9% |
| Year 4 | ₹4.76 L | ₹6.13 L | ₹1.37 L | 12% |
| Year 5 | ₹5.95 L | ₹8.17 L | ₹2.23 L | 16% |
| Year 6 | ₹7.13 L | ₹10.48 L | ₹3.34 L | 21% |
| Year 7 | ₹8.32 L | ₹13.08 L | ₹4.75 L | 26% |
| Year 8 | ₹9.51 L | ₹16.01 L | ₹6.49 L | 32% |
| Year 9 | ₹10.70 L | ₹19.30 L | ₹8.60 L | 39% |
| Year 10 | ₹11.89 L | ₹23.02 L | ₹11.13 L | 46% |
| Year 11 | ₹13.08 L | ₹27.21 L | ₹14.13 L | 54% |
| Year 12 | ₹14.27 L | ₹31.93 L | ₹17.66 L | 64% |
| Year 13 | ₹15.46 L | ₹37.25 L | ₹21.79 L | 75% |
| Year 14 | ₹16.65 L | ₹43.24 L | ₹26.60 L | 86% |
| Year 15 | ₹17.84 L | ₹50.00 L | ₹32.16 L | 100% |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Working backwards from a goal to a monthly number
Most calculators ask "how much will my investment grow to?" Goal-based planning flips the question: you start from what you need — a target amount by a target year — and solve for the monthly investment that gets you there. It is a more useful way to plan real life, because your goals (a home, a car, a child’s education, a corpus) come with amounts and deadlines attached.
This calculator takes your target, your horizon and an expected return, and computes the monthly SIP required. A good plan also buckets goals by how soon you need them: money required within about three years should not sit in equity, mid-term goals suit balanced funds, and only long-term goals should carry full equity risk.
How this calculator works
- 1Enter your target amount and the number of years until you need it.
- 2Set an expected return appropriate to the horizon (lower for near-term goals).
- 3The calculator solves for the monthly investment required to reach the target.
Frequently asked questions
How do I plan for a specific financial goal?
Define the amount and the year you need it, adjust the amount for inflation if the goal is years away, pick a return that suits the horizon, then solve for the monthly investment. This calculator does the last step; bucketing by horizon (short/medium/long) helps you choose a sensible return and risk level.
What return should I assume for a goal?
Match it to the horizon. For goals within about three years, use a low, debt-like return because the money should not be in equity; for 3–7 years, a balanced assumption; for 7+ years, an equity assumption of around 10–12% based on long-term history. Lower assumptions make the plan more robust.
Should short-term and long-term goals be treated differently?
Yes. Near-term goals need stability, so they belong in low-volatility instruments even though they grow slowly. Long-term goals can absorb market ups and downs, so they can carry equity for higher expected growth. Mixing the two up — putting near-term money in equity — is a common and avoidable mistake.
Illustrative projections based on the rates you enter; actual returns and outcomes vary and are not guaranteed.
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