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.