Monthly investment
—
Amount needed each period to reach your goal
Investment breakdown
Share of your own contributions versus returns inside the target corpus.
Investment vs growth
See how the required SIP compounds toward your goal over time.
| Year | Investment | Interest | Corpus |
|---|---|---|---|
| Run a calculation to see the yearly schedule. | |||
Also calculate
Switch tools without leaving your flow.
SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
Open calculator →
Step-up SIP Calculator
Model SIPs that increase by a fixed % every year.
Open calculator →
SIP Inflation Calculator
View SIP corpus in today’s rupees after inflation.
Open calculator →
Lumpsum Calculator
Project one-time mutual fund investments over your chosen tenure.
Open calculator →
Working backwards from the corpus you need
Most projections answer “what will my SIP grow to?”, which is the wrong way round if you already know what the money is for. A house deposit, a college fund, or a retirement corpus comes with a number attached, and the useful question is what you have to invest to get there. Enter the wealth you are targeting, an expected annual return, and the years you have, and this page solves for the contribution required each period.
Inputs this calculator uses
- Frequency — monthly, weekly, 15-days, quarterly, or yearly contributions.
- Targeted wealth — the corpus you want at the end of the horizon.
- Expected annual return — your assumed CAGR for the chosen asset mix.
- Investment period — how many years you have to reach the goal.
How the goal SIP formula works
The annual return r becomes a per-period rate
i = (1 + r)^(1/n) − 1
where n is periods per year. Inverting the future value of an annuity-due gives the
required contribution
P = FV × i / (((1 + i)^N − 1) × (1 + i))
for N total periods.
How to use this goal planning calculator
- Pick how often you plan to invest.
- Enter the targeted wealth in ₹ — the future cost of your goal.
- Set a conservative expected annual return.
- Choose the investment period in years.
- Read the required contribution, then check the chart and yearly schedule.
If the required SIP looks too high
Give the goal more time, trim the target, or plan increases with the step-up SIP calculator. To sanity-check a fixed contribution instead, use the core SIP calculator, and see what your corpus is worth in today’s rupees with the SIP inflation calculator.
Related guides
Read how much to invest every month, what is step-up SIP, and best SIP strategy. Browse everything on the Investment Guides page.
FAQ
Goal planning SIP calculator FAQs
How is this different from a normal SIP projection?
It runs the calculation in reverse. Instead of entering a contribution to see what it grows to, you enter the corpus you want, your expected return, and your horizon, and it returns the contribution needed each period to reach that figure.
How is the required SIP amount calculated?
The tool inverts the future value of an annuity formula. With a per-period rate i and n total periods, the required contribution is P = FV × i / (((1 + i)^n − 1) × (1 + i)), where FV is your targeted wealth. Contributions are assumed at the start of each period.
How much SIP do I need to reach ₹1 crore?
It depends entirely on your horizon and assumed return. Set targeted wealth to ₹1,00,00,000, pick your investment period, and choose a conservative return to see the monthly amount. Longer horizons reduce the required SIP sharply because compounding does more of the work.
Which frequency should I choose?
Choose the frequency you can actually sustain — monthly matches most salary cycles. The calculator converts your annual return into a matching per-period rate, so weekly, 15-day, quarterly, and yearly plans are all modelled consistently.
Should I adjust my goal for inflation?
Yes, for goals several years out. A ₹50 lakh goal today will cost more in future rupees. Estimate the future cost of your goal first, enter that as targeted wealth, or use the SIP inflation calculator to see what a corpus is worth in today’s money.
What if the required SIP is more than I can afford?
Extend the investment period, lower the target, or plan a step-up SIP that rises with your income. The step-up SIP calculator shows how yearly increases close the gap without stretching your current cash flow.
Are these results guaranteed?
No. Market returns vary year to year, so the actual corpus will differ from a constant-return projection. Treat the required SIP as a planning estimate, review it annually, and use a conservative return assumption.