Goal SIP Calculator

A Goal SIP Calculator works in the opposite direction of a standard SIP calculator. Instead of asking "if I invest ₹10,000/month, what corpus will I have?" it asks "what monthly SIP do I need to reach ₹1 crore in 15 years?" You enter the target, the duration, and an expected return — the calculator solves for the monthly SIP amount needed. Also known as a reverse SIP calculator or target SIP calculator.

It rearranges the standard SIP future-value formula to solve for the monthly investment. The formula is FV = P × ((1+r)^n − 1) / r × (1+r), where P is the monthly amount, r is the monthly return rate, and n is the total number of monthly installments. The calculator solves for P given your target FV.

Depends on the time horizon and the return you assume. At 12% expected return: ~₹20,000/month for 15 years, ~₹10,000/month for 20 years, ~₹5,000/month for 25 years. The longer you stay invested, the smaller the monthly SIP — compounding does an outsized share of the work over long horizons. Use the calculator above to try your own combinations.

At 12% expected return, you need roughly ₹61,000 per month for 5 years. At 10%, ~₹64,500/month. At 14%, ~₹57,500/month. Short horizons are dominated by your contributions rather than returns, so the monthly SIP doesn't change dramatically with the assumed return rate.

For Indian equity mutual funds, long-term annual returns have historically been in the 10–14% range, with 12% being the most common planning assumption. For debt-oriented funds, 6–8% is more realistic. For balanced/hybrid funds, 9–10%. These are pre-tax planning numbers; actual returns depend on the scheme, market cycle, and your holding period.

Yes, if you thought of the target in today's rupees. A ₹50 lakh goal "today" needs to be sized for the actual future date — at 6% inflation over 5 years, that's ~₹67 lakh of nominal value you'll need on the day. Turn on the inflation toggle, or use the Goal Inflation Calculator first and carry the inflated number across via the hand-off CTA. The toggle defaults OFF — the typed number is treated as the actual nominal target.

The regular SIP calculator works forward: you tell it the monthly amount and it projects the corpus. The Goal SIP Calculator works backward: you tell it the target corpus and it solves for the monthly amount. The math is the same formula rearranged. Use the regular SIP calculator when you know how much you can afford each month; use the Goal SIP Calculator when you know the corpus you need.

Three levers: extend the duration (the biggest lever — long horizons drop the monthly amount sharply), increase the expected return by moving toward more equity exposure (with the corresponding risk), or accept a lower target. The calculator lets you adjust all three sliders to see the trade-off. If the gap is large, start with whatever monthly amount you can sustain and step it up annually — see the Step-Up SIP Calculator.

No. The projection is pre-tax. For equity-oriented mutual funds, long-term capital gains over ₹1.25 lakh per financial year are taxed at 12.5%; short-term gains at 20%. For debt funds bought after April 2023, gains are taxed at your income-tax slab rate. To plan for a specific post-tax goal, increase the target by enough to absorb the eventual tax bite — typically 5–12% on equity funds depending on the gain amount.

They're three names for the same thing. SEBI's investor education site uses "Goal SIP Calculator", FundExpert and Piggy call it "Reverse SIP Calculator", MFOnline and PrimeInvestor use "Target SIP Calculator" or "SIP to Target". The math and inputs are identical — you enter a target corpus, get a required monthly SIP back.

Yes. Run the calculator once per goal — say, ₹30 lakh for a car in 5 years, ₹1 crore for retirement in 25 years, ₹50 lakh for a child's education in 18 years — and add up the monthly SIPs. The total is your monthly investment commitment across all goals. Bucketing each goal into its own scheme or folio makes tracking cleaner later.

It's a planning estimate, not a guarantee. The calculator assumes a constant annual return for the entire horizon — real returns vary year to year. Use it for sizing the monthly SIP at a reasonable assumed return (10–12% for equity), then review your plan every 1–2 years and adjust the amount based on actual portfolio performance and how close you are to the goal.