SIP Goal Calculator
Calculate how much monthly SIP you need to reach a target amount like Rs 50 lakh, Rs 1 crore or Rs 5 crore.
Calculate SIP Goal
Final corpus you want to create
Amount already invested for this goal
Years left to reach the goal
Expected annual return from your investment
Required Monthly SIP
₹19,819
Target Amount
₹1,00,00,000
Future Value of Current Investment
₹0
Total SIP Investment
₹35,67,420
Breakdown
How to Use This SIP Goal Calculator
Using our SIP Goal Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
Monthly SIP = Remaining Target / SIP Future Value FactorThe calculator compounds your current investment to the goal year, subtracts it from the target amount, and divides the remaining target by the SIP future value factor based on expected monthly returns.
Calculation Examples
Rs 1 crore in 15 years
Target corpus of Rs 1 crore at 12% return
Monthly SIP required is approximately Rs 20,000
Benefits
- Plan goal-based SIPs
- Know exact monthly investment needed
- Include existing investments
- Test return and tenure scenarios
Use Cases
- Rs 1 crore goal planning
- Child education corpus
- Retirement planning
- Home down payment planning
About SIP Goal Calculator
The SIP Goal Calculator helps you find the monthly SIP required to reach a financial target. Enter your target corpus, current investment, expected return and time period to estimate the monthly SIP needed for goals such as retirement, child education, home down payment or wealth creation.
Frequently Asked Questions
It depends on time and expected returns. At 12% annual return, reaching Rs 1 crore in 15 years needs roughly Rs 20,000 per month. A longer period reduces the required monthly SIP.
For equity mutual funds, many investors use 10% to 12% as a long-term assumption. Conservative investors may use 8% to 10%. Actual returns are market-linked and not guaranteed.
Yes. Enter your current investment amount. The calculator estimates its future value and calculates SIP only for the remaining target gap.
Yes. A normal SIP calculator tells future value for a fixed monthly SIP. A SIP goal calculator works backward and tells the monthly SIP needed to reach a target corpus.
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