Goal-Based SIP Calculator: How Much to Invest for Any Goal

Invest with a target, not a guess

Most people pick a random SIP amount and hope it's enough. Goal-based investing flips this: you start from the goal — a home down payment, a child's education, retirement — and work backwards to the exact monthly SIP required.

How the calculation works

Three inputs drive it: your goal amount, the time you have, and an expected return. The future-value-of-annuity formula then solves for the monthly SIP:

Required SIP = Goal ÷ [ (((1+i)^n − 1) ÷ i) × (1+i) ]

where i is the monthly return and n the number of months.

Worked example: To reach ₹50 lakh in 15 years at an assumed 12% p.a., you would need to invest roughly ₹10,000 per month. Start 5 years later and the same goal needs about ₹20,000/month — a powerful reminder that time matters more than amount.

Find your number on our goal-based SIP calculator, or project a fixed SIP on the SIP calculator.

Don't forget inflation

A goal that costs ₹50 lakh today may cost far more in 15 years. Always set your target in future rupees — inflate today's cost at 6–7% a year — so you don't fall short.

Frequently asked questions

How do I decide the expected return? Use a conservative assumption for the asset mix — diversified equity funds have historically returned ~10–14% over long periods, but returns are not guaranteed.

Should I step up my SIP? Yes — increasing your SIP each year with your income (a step-up SIP) reaches goals faster or lets you start smaller.

Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns are assumptions for illustration, not guarantees.