Goal planner
Work out the monthly SIP to hit a target amount.
Quick answer
A goal SIP calculator works backwards: enter your target amount, timeline, and expected return to find the monthly SIP needed to reach it. Use conservative returns for short goals (debt) and 10–12% for long-term equity goals.
Invest this every month
To reach ₹10,00,000 in 5 years at 12% returns.
- Total you'll invest
- ₹7,34,667
- Growth does the rest
- ₹2,65,333
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
Work backwards from a goal: tell it how much you need and by when, and it tells you the monthly SIP to get there.
How it's calculated
We invert the SIP annuity formula to solve for the monthly contribution that reaches your target at the assumed return.
Common questions
- What return should I assume for a goal?
- For goals under 3 years, use a safe 6–7% (debt/FD) — don't risk near-term money in equity. For 7+ year goals, 10–12% equity assumptions are reasonable.
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.