Goal SIP Calculator

Work out the monthly SIP you need to reach a financial goal. Enter the target amount, your expected return and time horizon, and the calculator solves for the required monthly investment — including any existing corpus and an optional annual step-up.

Goal details

Formatting only. No currency conversion is applied.

Your goal

The future value you want to reach.
Long-run assumption for equity mutual funds is often 10–12%.

Time horizon

Total horizon must be at least 1 month.

Existing corpus & step-up

Lumpsum already set aside for this goal. It will grow at the same return.
Increase the SIP by this percentage every year. Leave 0 for a flat SIP.

Required monthly SIP

Monthly SIP needed

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Projected corpus vs. amount invested

Projected corpus Amount invested Target goal

Year-wise projection

Year-wise projection showing monthly SIP that year, cumulative amount invested, projected corpus and gains
Year Monthly SIP Invested Corpus Gains

How this is calculated

  • Each SIP is assumed to be invested at the start of the month and compounds monthly at the annual return ÷ 12.
  • Any existing corpus is grown over the full horizon at the same rate before working out the remaining shortfall.
  • The required SIP is the amount that, invested every month over the horizon, closes the gap between the future value of your existing corpus and your goal.
  • With a step-up, the SIP rises by the chosen percentage once a year; the calculator solves for the first-year SIP.
  • Returns are assumed constant. Actual mutual fund returns vary year to year, so treat this as a planning estimate rather than a guarantee.
  • Taxes on gains, expense ratios and exit loads are not modelled.

This calculator provides an indicative projection based on a constant assumed rate of return. It is not investment advice. Please consult a financial adviser before finalising your SIP amount or investment plan.

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