Goal SIP Calculator 2026

Calculate monthly SIP required to reach your target financial goals (buying a home, child education, dream vacation)

Target Financial Goal Amount

₹

Quick Presets:

₹1.00 L₹50.00 Cr

Time Horizon (Years)

Yrs

1 Yr40 Yrs

Expected Annual Return (% p.a.)

1%25%

Existing savings

₹

₹0₹5.00 Cr

Annual Step-Up (%)

0%25%

Required Monthly SIP Savings

₹19,900

For 15 years at 12% expected return.

Target₹1.00 Cr

Plan summary

Total Amount You Will Invest₹35.82 L

Total Wealth Gains Earned₹64.59 L

Final corpus₹1.00 Cr

Year-by-year corpus growth

Year	Invested this year	Total invested	Corpus value	Progress
1	₹2.39 L	₹2.39 L	₹13.56 L	13.6%
2	₹2.39 L	₹4.78 L	₹25.60 L	25.6%
3	₹2.39 L	₹7.16 L	₹36.28 L	36.3%
4	₹2.39 L	₹9.55 L	₹45.76 L	45.8%
5	₹2.39 L	₹11.94 L	₹54.18 L	54.2%
6	₹2.39 L	₹14.33 L	₹61.64 L	61.6%
7	₹2.39 L	₹16.72 L	₹68.27 L	68.3%
8	₹2.39 L	₹19.10 L	₹74.15 L	74.1%
9	₹2.39 L	₹21.49 L	₹79.36 L	79.4%
10	₹2.39 L	₹23.88 L	₹84.00 L	84.0%
11	₹2.39 L	₹26.27 L	₹88.11 L	88.1%
12	₹2.39 L	₹28.66 L	₹91.75 L	91.8%
13	₹2.39 L	₹31.04 L	₹94.99 L	95.0%
14	₹2.39 L	₹33.43 L	₹97.86 L	97.9%
15	₹2.39 L	₹35.82 L	₹1.00 Cr	100.0%

Path to your goal

Frequently Asked Questions (FAQs)

How do I calculate the monthly SIP needed for a target financial goal?

Reverse the annuity-due formula: Monthly SIP = Target Corpus / ([((1 + r)^n − 1) / r] × (1 + r)), where r is the monthly return and n the number of months. This calculator does it for you from the goal amount, horizon and expected return.

Should I inflate my goal amount before calculating the SIP?

Yes, for any goal more than three years away. A ₹25 lakh goal 12 years out needs about ₹50 lakh at 6% inflation. Planning against today's price is the most common reason goal-based portfolios fall short.

What return should I assume for a short-term goal?

Match the asset to the horizon. Under 3 years, assume 6%–7% and use debt or arbitrage funds — equity can be down 30% exactly when you need the money. Beyond 7 years, 11%–12% from diversified equity is a reasonable planning assumption.

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