Goal-Based SIP Calculator
Tell us your target, timeline and expected return — we work backwards to the exact monthly SIP you need to get there.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
How your goal is funded
Get a SIP plan mapped to your goal by an advisor
We recommend the right funds and set up your SIP so you actually reach the target.
Disclaimer: Indicative estimate assuming a constant annual return compounded monthly. Mutual fund returns are market-linked and not guaranteed. This is not investment advice.
What is a reverse SIP (goal-based) calculator?
A normal SIP calculator asks "if I invest ₹X a month, what will I have?" A goal-based (reverse) SIP calculator flips the question: you name the amount you need — a ₹1 crore retirement corpus, a ₹40 lakh house down-payment, ₹25 lakh for a child's education — and it tells you the exact monthly SIP required to get there in your timeframe. It works backwards from the future value formula so the maths is done for you.
The reverse-SIP formula
The required monthly SIP is derived from the future value of an annuity (SIP invested at the start of each month):
| Future goal (inflation on) | Target × (1 + infl)years |
| FV of existing savings | Existing × (1 + r)years |
| Corpus still to build | max(0, Future goal − FV existing) |
| Monthly rate (i) | return ÷ 12 ÷ 100 |
| Months (n) | years × 12 |
| Required monthly SIP | Remaining × i ÷ (((1+i)n − 1) × (1+i)) |
Worked example
Goal ₹1,00,00,000 · 15 years · 12% expected return · no existing savings · inflation off:
Key terms explained
Target goal amount
The corpus you want at the end — in today's money if you leave inflation off, or the future cost if you turn inflation on.
Expected annual return
The long-run growth you assume for your investments. Diversified equity funds ≈ 12%; hybrid ≈ 9–10%; debt ≈ 6–7%. Returns are not guaranteed.
Inflation adjustment
Grows your goal to its future value so ₹1 crore still buys what ₹1 crore buys today. A goal 15 years out at 6% inflation costs ~2.4× more in future rupees.
Existing savings
A lump sum you've already invested toward this goal. It compounds at your return until the target date and lowers the fresh SIP you need.
Questions people ask
Short answers on Goal-Based SIP Calculator. Tap a question to open it.
01How do I work out the SIP needed for a goal?
Start from the future cost of the goal after inflation, then solve backwards for the monthly instalment that grows to that amount at your expected return over the years available. This tool does both steps together.
02What return rate should I assume?
Be conservative. Long-horizon equity assumptions of 10% to 12% are common, hybrid funds around 8% to 9%, and debt 6% to 7%. Assuming a high return is the easiest way to fall short of a goal.
03Why does the tool add inflation to my goal amount?
Because a goal costing ₹20 lakh today will cost far more in ten years. Education inflation in particular has run well ahead of general inflation, so planning on today's price systematically under-saves.
04Is a step-up SIP better for a goal?
Usually yes. Increasing the instalment each year in line with your income keeps the goal on track without a large commitment at the start, and it dramatically reduces the corpus shortfall over long horizons.
05What if I cannot afford the required SIP?
Extend the horizon, reduce the goal, add a lump sum from bonuses, or split the goal into a must-have and a nice-to-have portion. Raising the assumed return to make the arithmetic work is not a solution.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.