SIP Goal Calculator

Find the monthly SIP amount you need to invest to reach a specific target corpus.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your target corpus, expected return, and time horizon to find the required monthly SIP.
₹
%
years

Your result

₹10,008.53

Required monthly SIP

Total invested₹24,02,046.74
Total returns₹75,97,953.26

AI explanation

Formula

Inverts the SIP future-value formula to solve for the required monthly investment

Worked example

₹1 crore goal, 12% return, 20 years

Worked example: ₹1 crore goal, 12% return, 20 years
FieldValue
Target corpus10000000
Expected annual return12
Time to goal20
Required monthly SIP10008.53

Assumptions

  • Assumes a constant expected annual return throughout — actual mutual fund returns vary year to year.
  • Informational only.

Frequently asked questions

How do I use this to plan for a specific financial goal?

Set your target corpus (e.g. a child's education fund, a retirement goal, or a down payment) and time horizon — the calculator tells you exactly how much to invest monthly to reach it at your assumed return rate.

What if I can't afford the required monthly SIP?

Consider extending your time horizon, revisiting your target amount, or starting with a smaller SIP and stepping it up over time — see the SIP Step-Up Calculator.

Should I use a conservative or aggressive return assumption?

A more conservative assumption (lower expected return) requires a higher monthly SIP but reduces the risk of falling short if actual returns underperform your expectation.

Related calculators

SIP Returns CalculatorRetirement SIP Calculator

Sources

This calculator provides a general estimate only and does not constitute investment advice. Mutual fund investments are subject to market risk.

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