Investment calculator

Goal SIP

Monthly SIP needed to reach a target corpus. Adjust the sliders or type exact values — results update instantly.

Your inputs

Target amount

Expected return rate

Time period

Monthly SIP needed

₹19,819

Total invested₹35,67,352
Estimated gains₹64,32,648

Target corpus: ₹1,00,00,000
Total invested: ₹35,67,352
Estimated gains: ₹64,32,648

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. PlusFinance distributes mutual funds as an AMFI-registered distributor (ARN-325664); figures shown on this site are illustrative and not a promise of returns. The return rate in this calculator is your own assumption, not a forecast.

How it works

How the Goal SIP calculator works

Instead of asking "how much will my SIP grow to," this calculator works backwards from a goal: tell it the target amount you need, your expected annual return, and your time horizon, and it computes the exact monthly SIP required to get there.

This is the calculation behind most goal-based financial planning — a house down payment, a child’s education fund, or a retirement corpus all start with a target number and a deadline, and the required monthly investment follows from those two inputs and your assumed rate of return.

FAQ

Frequently asked questions

How do I decide my target amount?

Start from the actual future cost of your goal — for example, today’s cost of a purchase or expense adjusted for inflation over your time horizon. The Inflation Impact calculator can help estimate that future cost.

What return rate should I assume?

This depends on the asset class you plan to invest in. Equity mutual funds are commonly assumed in the 10-14% long-term range, while debt-oriented investments are typically lower — use a conservative estimate for essential goals.

What if I can’t afford the required SIP?

You can adjust the inputs — a longer time horizon, a lower target, or a higher assumed return (by taking on more equity exposure, and more risk) will all reduce the required monthly SIP.

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