Goal SIP calculator
Work out the monthly investment a specific goal needs — or, run the other way, what a monthly amount you can actually afford will build.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Target corpus
The sum you want at the end, in today’s money or tomorrow’s — just be consistent, and if it is a goal decades away, inflate it first.
- Monthly investment
Leave this blank to have it solved for you, or enter what you can afford to see what it builds instead.
- Already invested (lumpsum)
Existing money earmarked for this goal. It compounds for the full horizon, so it does more work than the same amount added later.
- Time horizon and Assumed annual return
Horizon does far more than return does. Try adding three years before you try adding three percentage points — one is under your control and the other is not.
Worked example: A ₹1 crore corpus in fifteen years
You want ₹1 crore in fifteen years and already have ₹5 lakh set aside for it. You assume 12% a year.
What to enter
- Target corpus
- ₹1,00,00,000
- Already invested (lumpsum)
- ₹5,00,000
- Time horizon
- 15 years
- Assumed annual return
- 12%
What it shows you
- The ₹5 lakh grows to
- ≈ ₹27.4 lakh
- SIP still required
- ≈ ₹14,600 / month
- Total you contribute
- ≈ ₹31.3 lakh
- Growth does the rest
- ≈ ₹68.7 lakh
on its own, untouched
SIP plus the lumpsum
roughly 69% of the outcome
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
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