Goal SIP Calculator: How Much to Invest for Your Target

Have a target in mind — a home, education, retirement? This calculator works out the monthly SIP needed to get there.

What is it?

A goal SIP works backwards: you set a future amount and horizon, and it tells you the monthly investment required at an assumed return.

How is it calculated?

The required SIP is found by rearranging the SIP future-value formula to solve for the monthly amount P, given the target, rate and months.

Example

To reach ₹1 crore in 15 years at 12%, you need to invest about ₹19,819 a month.

Key things to know

• Adjust the target for inflation so it’s realistic in future terms.
• A longer horizon sharply lowers the monthly amount needed.
• Keep separate SIPs for separate goals.
• Revisit yearly and top up if you fall behind.

What to do next

Start a goal-based SIP via your investment platform.

[Place your affiliate / referral link here]

Frequently asked questions

What return should I assume?
A conservative 10-12% for equity over the long run.

What if I can’t invest the full amount?
Extend the horizon or raise contributions later via step-up.

Should I adjust for inflation?
Yes — inflate the target to its future value.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.