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.

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

Show as

Year 1
Invested this year
₹2.39 L
Total invested
₹2.39 L
Progress
2.5%
Corpus value
₹2.55 L
Year 2
Invested this year
₹2.39 L
Total invested
₹4.78 L
Progress
5.4%
Corpus value
₹5.42 L
Year 3
Invested this year
₹2.39 L
Total invested
₹7.16 L
Progress
8.7%
Corpus value
₹8.66 L
Year 4
Invested this year
₹2.39 L
Total invested
₹9.55 L
Progress
12.3%
Corpus value
₹12.31 L
Year 5
Invested this year
₹2.39 L
Total invested
₹11.94 L
Progress
16.4%
Corpus value
₹16.41 L
Year 6
Invested this year
₹2.39 L
Total invested
₹14.33 L
Progress
21.0%
Corpus value
₹21.05 L
Year 7
Invested this year
₹2.39 L
Total invested
₹16.72 L
Progress
26.3%
Corpus value
₹26.26 L
Year 8
Invested this year
₹2.39 L
Total invested
₹19.10 L
Progress
32.1%
Corpus value
₹32.14 L
Year 9
Invested this year
₹2.39 L
Total invested
₹21.49 L
Progress
38.8%
Corpus value
₹38.77 L
Year 10
Invested this year
₹2.39 L
Total invested
₹23.88 L
Progress
46.2%
Corpus value
₹46.24 L
Year 11
Invested this year
₹2.39 L
Total invested
₹26.27 L
Progress
54.6%
Corpus value
₹54.65 L
Year 12
Invested this year
₹2.39 L
Total invested
₹28.66 L
Progress
64.1%
Corpus value
₹64.13 L
Year 13
Invested this year
₹2.39 L
Total invested
₹31.04 L
Progress
74.8%
Corpus value
₹74.81 L
Year 14
Invested this year
₹2.39 L
Total invested
₹33.43 L
Progress
86.8%
Corpus value
₹86.85 L
Year 15
Invested this year
₹2.39 L
Total invested
₹35.82 L
Progress
100.0%
Corpus value
₹1.00 Cr

Year	Invested this year	Total invested	Corpus value	Progress
Year 1	₹2.39 L	₹2.39 L	₹2.55 L	2.5%
Year 2	₹2.39 L	₹4.78 L	₹5.42 L	5.4%
Year 3	₹2.39 L	₹7.16 L	₹8.66 L	8.7%
Year 4	₹2.39 L	₹9.55 L	₹12.31 L	12.3%
Year 5	₹2.39 L	₹11.94 L	₹16.41 L	16.4%
Year 6	₹2.39 L	₹14.33 L	₹21.05 L	21.0%
Year 7	₹2.39 L	₹16.72 L	₹26.26 L	26.3%
Year 8	₹2.39 L	₹19.10 L	₹32.14 L	32.1%
Year 9	₹2.39 L	₹21.49 L	₹38.77 L	38.8%
Year 10	₹2.39 L	₹23.88 L	₹46.24 L	46.2%
Year 11	₹2.39 L	₹26.27 L	₹54.65 L	54.6%
Year 12	₹2.39 L	₹28.66 L	₹64.13 L	64.1%
Year 13	₹2.39 L	₹31.04 L	₹74.81 L	74.8%
Year 14	₹2.39 L	₹33.43 L	₹86.85 L	86.8%
Year 15	₹2.39 L	₹35.82 L	₹1.00 Cr	100.0%

Path to your goal

Goal SIP formula, with your numbers

Standard Formula

Required SIP = (Target - Future value of current savings) / [ ((1+r)^n - 1) / r x (1+r) ]

Live Calculation (Plugging Your Values)

Your goal amount (T):₹1.00 Cr

What you have already (S):₹0

Expected return (r):12%

Monthly SIP needed (SIP):₹19,900

Substituted Equation:

To reach ₹1.00 Cr in 15 years you need ₹19,900 a month

Monthly SIP needed:₹19,900

Whatever you have saved already keeps compounding on its own, so only the shortfall has to come from the SIP. The instalments are treated as paid at the start of each month, which is how a bank SIP mandate actually works and gives one extra month of growth compared with month-end investing.

About Goal SIP Calculator

Goal-based investing starts from a target, such as a child's education or a home down payment, and works back to the amount you need to set aside each month. A SIP (systematic investment plan) puts a fixed sum into a mutual fund every month, which suits a goal with a fixed date.

This calculator finds the monthly SIP that reaches your target in the years you choose, at one fixed expected return. Savings you already have grow at the same return, and only the shortfall is left to the SIP, which is rounded up to the next ₹100. The target is used exactly as you enter it, with no inflation added, so enter what the goal will cost when you need the money. Tax and fund costs are not deducted, and real returns vary from year to year.

How it Works

The calculator takes five inputs:

Target Financial Goal Amount: the sum you need on the goal date.
Time Horizon (Years): how many years you have until then.
Expected Annual Return (% p.a.): the yearly return assumed for both the SIP and your existing savings.
Existing savings: money already set aside for this goal. It grows on its own and reduces the SIP needed.
Annual Step-Up (%): how much you raise the SIP each year. With a step-up, the SIP shown is the first year's monthly amount, and it rises by this percentage every year after.

Benefits of using the Goal SIP Calculator

One number to act on: a monthly amount you can set up as a SIP with your fund house or platform.
Credit for what you have: existing savings lower the SIP, and if they alone reach the target the page says no new SIP is needed.
A plan that rises with your income: a step-up lowers the first-year SIP, because later instalments are larger.
Progress to check against: the table shows the corpus and the share of the target reached at the end of each year, which you can compare with your statements.

References

How these numbers are checked →

Goal-Based SIP 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.

What inflation rate should I use for different goals?

Use the inflation of the thing you are buying, not the headline CPI. Private college fees have compounded near 8%–10%, so take 8% for education. Property and construction run around 6%–7%. For retirement, 6% on household expenses is reasonable, but budget 8%–10% for the medical share, which grows as you age. A ₹25 lakh degree at 8% for 15 years costs ₹79.30 lakh.

What if I cannot afford the SIP this calculator asks for?

You have four levers, in this order. Stretch the horizon — ₹1 crore in 20 years at 12% needs ₹10,009 a month against ₹19,819 for 15 years. Add an annual step-up so the instalment rises with your salary. Cut the target if the goal allows it. Only last should you raise the assumed return, because that is not a lever you control. Start with what you can pay today and increase it later.

When should I move the goal corpus out of equity?

Start shifting about three years before the deadline and finish about a year before, moving roughly a third each year into a short-duration or arbitrage fund. Equity can be down 30% in the month you need the money, and a fall that close to the goal leaves no time to recover. This is the single step that most often decides whether a well-funded goal is actually met.

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