Finance

Goal SIP Calculator

Find the monthly SIP amount you need to invest to reach any financial goal — child's education, a home, retirement or a dream trip.

By CalculatorDesk
50,00010,00,00,000
%
1%30%
yrs
1 yrs40 yrs

Monthly SIP required

₹21,520

Total invested
₹25,82,433
Est. returns
₹24,17,567

Invested vs returns

  • Invested51.6%
  • Returns48.4%

What is Goal SIP?

Goal-based SIP planning works backwards: you decide the corpus you need and when, and the calculator solves for the monthly investment required. This ties your savings to a concrete life goal rather than investing blindly, making it easier to stay disciplined.

Formula

Reverse the SIP future-value formula to solve for the monthly amount:

FV = P × [(1 + i)^n − 1] / i × (1 + i)

→  P = FV × i / [(1 + i)^n − 1] / (1 + i)

P = monthly SIP needed
i = monthly rate (annual ÷ 12 ÷ 100)
n = total months to goal

How to use this calculator

Enter your target corpus (e.g. ₹50 lakh for a child's education), the expected annual return, and the number of years to your goal. The calculator shows the monthly SIP you must invest.

Frequently asked questions

Long-run equity return benchmarks

Nifty 50 TRI (10-yr CAGR)~13.5%
Equity MF (long-run est.)12% – 14%
Hybrid MF (est.)9% – 11%
Debt MF (est.)6% – 8%

Indicative rates compiled from public bank websites, RBI, and the Ministry of Finance for reference only. Actual rates depend on credit profile, tenure and product variant — confirm with the lender before applying.

Popular calculations

Ready-made scenarios for the amounts and rates people search most.

Related calculators