At 12% p.a. about ₹43,000 a month; at 15 years it falls to roughly ₹20,000 and at 20 years to about ₹10,000. Time matters more than return.
Goal SIP Calculator
Start from the target, not the instalment. Enter the amount you need, the years you have and your expected return to get the exact monthly SIP required — and how much smaller you can start with an annual step-up.
Monthly SIP required
₹19,819
Total you will invest
₹35,67,420
Returns that do the rest
₹64,32,772
Path to the goal
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹2,37,828 | ₹16,040 | ₹2,53,868 |
| 2 | ₹4,75,656 | ₹64,277 | ₹5,39,933 |
| 3 | ₹7,13,484 | ₹1,48,794 | ₹8,62,278 |
| 4 | ₹9,51,312 | ₹2,74,193 | ₹12,25,505 |
| 5 | ₹11,89,140 | ₹4,45,657 | ₹16,34,797 |
| 6 | ₹14,26,968 | ₹6,69,031 | ₹20,95,999 |
| 7 | ₹16,64,796 | ₹9,50,896 | ₹26,15,692 |
| 8 | ₹19,02,624 | ₹12,98,671 | ₹32,01,295 |
| 9 | ₹21,40,452 | ₹17,20,715 | ₹38,61,167 |
| 10 | ₹23,78,280 | ₹22,26,448 | ₹46,04,728 |
| 11 | ₹26,16,108 | ₹28,26,483 | ₹54,42,591 |
| 12 | ₹28,53,936 | ₹35,32,780 | ₹63,86,716 |
Show all 15 rows
| 13 | ₹30,91,764 | ₹43,58,815 | ₹74,50,579 |
| 14 | ₹33,29,592 | ₹53,19,775 | ₹86,49,367 |
| 15 | ₹35,67,420 | ₹64,32,772 | ₹1,00,00,192 |
- SIP amounts are rounded up to the next rupee so the goal is reached or slightly exceeded.
How the Goal SIP Calculator works
Goal-based SIP planning inverts the usual calculation: instead of asking what a SIP becomes, it asks what SIP produces a fixed future value. The calculator searches for the smallest monthly amount whose projected value meets your target.
Adding a step-up lets you begin with a smaller SIP that grows with your income. The total you invest is often similar; the difference is how the burden is spread over time.
Remember to set the target in future rupees. ₹1 crore in 15 years buys what about ₹42 lakh buys today at 6% inflation — use the inflation calculator to size the goal.
P = Target ÷ { [ ((1+i)^n − 1) / i ] × (1+i) }
- P
- monthly SIP
- i
- monthly rate
- n
- months
- Target
- goal amount
Worked example
- Target amount: ₹1,00,00,000
- Years to goal: 15 Yr
- Expected return (p.a.): 12%
To reach ₹1 crore in 15 years at 12% p.a. you need a flat SIP of about ₹19,800 a month: ₹35.7 lakh invested, ₹64 lakh from returns. With a 10% annual step-up you can start near ₹11,000 and let the raises carry you.