01
Set your goal
Enter the target corpus and whether it's in today's or future money, the years you have, and the return you expect.
SIP Goal Calculator
Work backwards from your goal to find the exact monthly SIP you need.
Updated Reviewed by Sajid Hussain· Editor
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Last updated
June 2, 2026
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9 markets · 8 currencies
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Start from the goal, not the guess
How much to invest each month to reach your target
A SIP goal calculator works backwards. Instead of guessing a monthly amount and seeing what it becomes, you tell it the corpus you need and by when, and it solves for the exact monthly SIP — adjusted for inflation, your current savings, and an optional yearly step-up. It's the reverse of the regular SIP calculator: same compounding math, run in the other direction.
The headline is your **required monthly SIP**. To reach ₹1 crore in 20 years at a 12% return, you'd invest about **₹10,009 a month** — that comes straight from inverting the future-value-of-an-annuity formula. Most of the goal isn't your money: of that ₹1 crore, only ~₹24 lakh is what you contribute and roughly ₹76 lakh is **funded by returns**. Seeing that split is the point — it shows how much of the work compounding does for you.
The mistake almost every goal plan makes is **ignoring inflation**. ₹1 crore sounds like plenty, but if your goal is 20 years away, what you really need is the *future cost* of today's ₹1 crore — about ₹3.2 crore at 6% inflation, which needs roughly ₹32,000 a month instead of ₹10,009. So if you're thinking in today's prices, switch the goal basis to **"today's money"** and we grow the goal to its future cost before sizing the SIP — aim at the real target, not a number that quietly shrinks. Already have the exact future figure? Leave it on "future money" and we use it as-is.
**Two levers make the goal easier.** Current savings: anything you've already invested grows on its own and is subtracted from the target first, lowering the SIP you need. A step-up: raising your SIP a set percentage each year (to track your salary) lets you start with a noticeably smaller amount — reaching ₹1 crore with a 10% yearly step-up needs an opening SIP of only ~₹5,028 instead of ₹10,009.
**We also keep you honest.** A feasibility check flags when the plan only works on an unrealistic return, the cost of waiting shows how much your monthly jumps if you delay a year, and a return range shows whether you'd still hit the goal if markets run a couple of points below plan. Every required-monthly we give, fed back through the SIP calculator, lands exactly on your target — the two tools never disagree. Works in any currency, no rates, no conversion.
Quick facts
- Solves for
- The exact monthly SIP to hit your goal
- Inflation-aware
- Sizes the SIP to the goal's future cost
- Counts savings
- Existing investments lower the SIP
- Step-up option
- Start smaller, ramp yearly
- Funding split
- How much returns pay vs you
- Any currency
- Universal math — no rates, no FX
How it works
From a target to a monthly number
Four inputs for the basics, three optional for the depth — under a minute.
02
Add what you have
Optionally include current savings — their growth reduces the SIP you need.
03
Choose a step-up
Optionally raise the SIP yearly so you can start with a smaller amount.
04
Get the monthly SIP
See the exact amount to invest each month, how much returns fund, and whether the plan is realistic.
Steps to use the SIP Goal Calculator: Set your goal, Add what you have, Choose a step-up, Get the monthly SIP.
Formula
The goal-SIP formula, worked with your numbers
It inverts the same annuity-due future-value formula the SIP calculator uses — solving for the payment instead of the maturity.
01
Required monthly SIP (annuity-due)
PMT = FV ÷ ( [ ((1 + i)^n − 1) ÷ i ] × (1 + i) )
FV = the future value you need, i = monthly return (annual ÷ 12 ÷ 100), n = months. The × (1 + i) reflects investing at the start of each month, the convention every major SIP platform uses.
Example: ₹1,00,00,000 ÷ 999.15 = ₹10,009/month at 12% for 20 years (n = 240, i = 0.01).
02
Inflating the goal to its future cost
FV = Goal (today) × (1 + inflation)^years
When your goal is in today's money, this grows it to what it will actually cost. ₹1 crore today at 6% for 20 years becomes ₹3.21 crore — the figure the SIP is sized to.
03
Subtracting current savings
Shortfall = FV − (Current Savings × (1 + i)^n)
Your existing savings grow on their own; only the remaining shortfall has to come from the new SIP, so the required monthly drops.
04
Step-up SIP (no closed form)
Solve PMT so a SIP rising step-up% each year reaches FV
A step-up has no neat closed form, so we solve it numerically (bisection) using the exact same month-by-month annuity-due loop — giving a smaller opening amount that still hits the goal.
05
Funded by returns
Funded by Returns = FV − Total Invested − Savings Growth
The part of the goal that compounding pays for rather than you. On a long horizon this is usually the majority of the corpus.
Worked example
Reaching ₹1 crore in 20 years
Watch how little of the goal is actually your own money.
Currency note: the example below uses a benchmark scenario priced in Indian Rupee (INR). Values are converted to US Dollar (USD) at the latest exchange rate so you can compare against your own numbers.
Scenario
You want $10,000,000.00 in 20 years at a 12% return. How much must you invest every month — and how much of it is really your money?
1
Step 1 · The required SIP
Inverting the annuity formula, you need about $10,009.00 a month for 20 years to reach $10,000,000.00.
Invest $10,009.00/month
2
Step 2 · What you actually contribute
$10,009.00 × 12 × 20 = $2,402,160.00. That's all that leaves your pocket over two decades.
You invest $2,402,160.00
3
Step 3 · What returns fund
$10,000,000.00 − $2,402,160.00 = $7,597,840.00 — about 76% of the goal is paid for by compounding, not by you.
$7,597,840.00 from returns (76%)
4
Step 4 · The inflation reality
If that $10,000,000.00 is in today's money, in 20 years it will actually cost about $32,071,355.00 at 6% inflation — switch the goal basis to "today's money" and the SIP is sized to that larger figure instead.
Real target: $32,071,355.00
The takeaway
The lesson of goal investing: time and compounding do most of the heavy lifting — three-quarters of a 20-year goal can come from returns. But inflation moves the target, so always size the SIP to the goal's future cost, not today's sticker price.
Return benchmarks
What return should you assume?
Long-run nominal returns by asset class, so your assumption is grounded. A higher rate shrinks the required SIP on paper — but only if markets actually deliver it.
| Metric | Poor | Average | Good | Excellent |
|---|---|---|---|---|
| Large-cap equity / index | — | 10–12% | 12% | 12–14% |
| Flexi/mid/small-cap (higher risk) | — | 12–14% | 14–15% | 15%+ (not guaranteed) |
| Hybrid / balanced funds | — | 8–10% | 10–11% | 11–12% |
| Debt funds / FDs (short goals) | — | 6–7% | 7–8% | 8%+ |
| Planning rate for a long goal | > 15% (don't) | 10–12% | 12% | Model 12%, treat more as upside |
Which calculator
SIP Goal vs the forward calculators
The three forward tools tell you what an investment becomes; this one tells you what to invest to reach a target. Same compounding core, opposite direction.
| Feature | SIP Goal | SIP Calculator | Lumpsum / Compound Interest |
|---|---|---|---|
| Solves for the monthly amount | |||
| Starts from a target corpus | |||
| Inflates the goal to future cost | Shows real value | Shows real value | |
| Counts existing savings | Principal only | ||
| Step-up supported | |||
| Feasibility / realism check | |||
| Best for | Planning to a target | Projecting a monthly SIP | Projecting a lump / balance |
Common mistakes
How goal planning goes wrong
Planning in today's money
Why it matters
A goal that looks big today will cost far more by the time you need it. Sizing the SIP to today's number leaves you well short of the real future cost.
Fix
Enter the goal in today's money and let the calculator inflate it, or work out the future figure yourself and use "future money".
Assuming an unrealistic return
Why it matters
A high return shrinks the required SIP on paper, so you invest too little, and if markets deliver less you miss the goal.
Fix
Plan with 10–12% for equity. The feasibility check flags assumptions that are a stretch or unrealistic.
Forgetting money you've already saved
Why it matters
Ignoring existing savings overstates the SIP you need — their growth alone can cover a big chunk of the goal.
Fix
Add your current savings; the calculator subtracts their future value first.
Delaying the start
Why it matters
A shorter horizon means each month has to do more work, so the required SIP rises steeply the longer you wait.
Fix
Start now — the cost-of-waiting figure shows exactly how much a one-year delay adds to your monthly.
Using an equity return for a short goal
Why it matters
Equity is volatile over 1–3 years, so a goal due soon can fall short if markets dip near the deadline.
Fix
For short goals use a lower, safer return (debt funds / FDs). We warn when the horizon is under 3 years.
Treating the SIP as fixed forever
Why it matters
A flat SIP ignores that your income usually rises, so you under-invest your later, higher-earning years.
Fix
Use a step-up: start smaller and raise the SIP yearly. The calculator shows the lower opening amount it allows.
Tips
Hit your goal with less
Inflate the goal first
Always aim at the future cost of your goal, not today's price — it's often 2–3× larger over long horizons.
Start early
A longer runway means a much smaller monthly SIP, because compounding has more time to fund the goal.
Step up every year
Raising the SIP 5–10% a year tracks your salary and lets you open with a smaller amount.
Count what you have
Add existing savings — their growth can cover a surprising share of the target.
Keep the return honest
A conservative return you beat is safer than an optimistic one you miss and fall short of the goal.
Right-size the risk
Match the assumed return to the horizon: equity for long goals, debt/FDs for short ones.
Use cases
When this calculator helps
The SIP Goal Calculator works across every stage of the workflow.
Planning retirement
Work out the monthly SIP to build a retirement corpus, sized to its inflated future cost.
Saving for a child
Find the SIP needed for education or marriage by a set year, counting anything you've already saved.
Buying a home
Solve for the monthly investment to reach a down payment, and see how a step-up lowers the starting amount.
Reverse-checking a SIP
Confirm the monthly amount that lands exactly on your target — the inverse of the forward SIP calculator.
Testing feasibility
See whether a goal is realistic on a sensible return, or only works on an optimistic one.
Comparing start dates
Use the cost-of-waiting figure to see what delaying the plan a year does to the monthly SIP.
Glossary
Goal-SIP vocabulary
Every important term you'll encounter in this calculator and the broader topic.
- SIP
- Systematic Investment Plan — investing a fixed amount in a mutual fund at regular intervals, usually monthly.
- Goal-based investing
- Planning each investment around a specific target amount and date, rather than investing a round number and hoping.
- Required monthly SIP
- The fixed monthly amount that, compounded over your horizon, reaches your target corpus.
- Future cost of goal
- What a goal stated in today's money will actually cost in the future, after inflation — the figure the SIP is sized to.
- Annuity-due
- A stream of payments made at the start of each period. SIP math uses it because your contribution is invested at the beginning of the month.
- Step-up SIP
- A SIP whose monthly amount rises by a set percentage each year, usually to match income growth.
- Funded by returns
- The share of your goal paid for by compounding rather than by your own contributions.
- Cost of waiting
- How much the required monthly SIP increases for each year you delay starting, because there's less time to compound.
- Inflation-adjusted (real) value
- A future amount expressed in today's purchasing power, so you know what it can actually buy.
Help & answers
Frequently asked questions
Everything you need to know about how the SIP Goal Calculator works.
01What is a SIP goal calculator?
A SIP goal calculator works backwards from a target: you enter the corpus you want and by when, plus an expected return, and it solves for the exact monthly SIP. It adjusts the target for inflation, subtracts current savings, and can size a step-up SIP too.
02How much SIP do I need to reach ₹1 crore?
It depends on horizon and return. At 12%: ₹1 crore needs ~₹10,009/month for 20 years, ~₹20,017 for 15 years, or ~₹43,041 for 10 years. If your ₹1 crore is in today's money, aim for its inflated future cost (~₹3.2 crore in 20 years at 6% inflation), which needs a larger SIP.
03How is the required monthly SIP calculated?
It inverts the annuity-due formula: PMT = FV ÷ ([((1+i)^n−1)÷i] × (1+i)), where FV is the target, i is monthly return (annual÷12÷100), and n is months. Rearranging from the SIP formula, any monthly amount we return lands exactly on your target when fed back through a SIP calculator.
04Should I enter my goal in today's money or future money?
Choose today's money if you think in current prices — we inflate it to future cost before sizing the SIP. Choose future money only if you've already worked out the exact figure, so inflation isn't applied twice. Getting this right matters: ignoring inflation is the most common goal-planning mistake.
05Why does inflation make my goal bigger?
Prices rise over time, so the same goal costs more in the future. At 6% inflation, ₹1 crore today will cost ~₹3.21 crore in 20 years. Sizing the SIP to today's figure leaves you well short. This calculator inflates the goal first, then solves the SIP, so you aim at the real target.
06How does a step-up SIP lower the amount I need to start with?
A step-up SIP rises by a set % each year, matching income growth. Because contributions increase over time, you can start smaller and still reach the goal. To reach ₹1 crore in 20 years at 12%: a flat SIP needs ~₹10,009/month, but a 10% annual step-up needs only ~₹5,028 to open.
07How do my current savings affect the required SIP?
Money you've already saved keeps growing on its own, so only the remaining shortfall needs a new SIP. The calculator computes your savings' future value, subtracts it from the goal, and solves for the rest. If savings alone reach the goal, it tells you no new SIP is needed.
08What return rate should I assume for a goal SIP?
Use a grounded figure: ~10–12% for equity SIPs, 8–11% for hybrid, 6–8% for debt/FDs. A higher assumed return makes the SIP look smaller — if markets deliver less, you miss the goal. For short goals (under 3–5 years), use a safer rate. We flag anything above ~15% as aggressive.
09What does "funded by returns" mean?
It's the share of your goal that compounding pays for rather than your own contributions. On long horizons it's usually the majority: for a 20-year ₹1 crore goal, ~three-quarters comes from returns and only ~a quarter from your own money. It shows why starting early matters so much.
10How much does it cost to delay starting?
A lot — a shorter horizon gives compounding less time. Reaching ₹1 crore in 20 years needs ~₹10,009/month; at 10 years it's over ₹43,000/month. This calculator shows the exact cost of a one-year delay, so you can see what procrastination adds.
11Does this SIP goal calculator work for any currency or country?
Yes — fully global. Enter your target in any currency (INR, USD, GBP, EUR, AUD and more) and all results come back in it. The same goal-planning idea (a regular fixed investment toward a target) applies to systematic investing anywhere.
12Are the results guaranteed?
No — it's based on a constant assumed return, but real returns vary. Treat it as a planning estimate, review periodically, and step up or top up if returns run below plan. For FDs the projection is more reliable; for equity SIPs, the value comes from long-term discipline and compounding.
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Category
Operational Financial Planning
Subcategory
personal finance
Availability
Global · 9 markets
Price
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Topics
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