Goal-Based SIP Calculator — India (₹)
Find exactly how much monthly SIP you need to reach your financial goal — whether it's a home down payment, child's education, wedding, or retirement corpus.
| Return Rate | Monthly SIP | Total Invested |
|---|---|---|
| 6% | ₹28,523/mo | ₹17,11,380 |
| 8% | ₹27,039/mo | ₹16,22,340 |
| 10% | ₹25,614/mo | ₹15,36,840 |
| 12% | ₹24,246/mo | ₹14,54,760 |
| 15% | ₹22,301/mo | ₹13,38,060 |
How is goal-based SIP calculated?
Goal SIP uses the reverse SIP formula: PMT = FV × r / ((1+r)^n - 1) × 1/(1+r), where FV is your target, r is monthly return rate, and n is number of months.
Should I invest lump sum or SIP?
SIP is better for regular income earners as it averages market entry price (rupee cost averaging). Lump sum works well when you have a large amount and the market is at a low.
What return rate should I use for goal planning?
Use 10–12% for equity mutual funds (10+ year horizon), 7–8% for debt/FDs, and 8–9% for balanced funds. For short-term goals (< 3 years), use 6–7%.
How much SIP is needed for a ₹1 crore corpus?
To accumulate ₹1 crore in 20 years at 12% return, you need a monthly SIP of approximately ₹10,000. For 15 years, it increases to about ₹20,000/month. Starting early dramatically reduces the required SIP amount due to compounding.
Should I adjust for inflation in goal planning?
Yes, especially for long-term goals. If your child's education costs ₹20 lakh today and inflation is 6%, it will cost approximately ₹64 lakh in 20 years. Always set your goal amount as the inflation-adjusted future cost, not today's price.
Can I use this calculator for retirement planning?
Yes. Enter your desired retirement corpus as the goal amount and your years to retirement as the timeline. For example, to accumulate ₹5 crore in 25 years at 12%, you need approximately ₹18,000/month SIP — achievable for most upper-middle-income earners.
What if I already have some savings toward my goal?
Enter your existing savings in the "Existing Savings" field. The calculator projects the future value of your current savings and subtracts it from the goal, showing only the additional SIP needed to bridge the gap.