Goal SIP Calculator
Find the exact monthly SIP to reach any financial goal.
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yrs
%
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SIP Required
Monthly SIP Required
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per month to achieve your goal
Total Investment
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Expected Returns
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Goal Amount
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Total Invested —
Lump sum equivalent: Investing — today achieves the same goal.
Goal Milestones
| Year | SIP Invested | Portfolio Value | % of Goal |
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Frequently Asked Questions
- What is goal-based SIP investing?
- Goal-based SIP means setting a specific financial target and calculating the exact monthly SIP needed to reach it. This provides clarity — you know exactly how much to invest and can track progress year by year toward a deadline.
- How to plan a child education corpus?
- Estimate today's cost of the target education, then inflate it for the number of years until needed (6-8% inflation). Use the inflated amount as your goal. A SIP in equity mutual funds for 10-15 years can effectively build this corpus.
- How to plan retirement with SIP?
- Calculate the corpus needed using the 25x rule (annual retirement expenses × 25). Determine years until retirement and use this calculator to find the monthly SIP. Starting early dramatically reduces the monthly amount needed due to compounding.
- How much SIP do I need for ₹1 crore?
- At 12% annual return: ₹5,500/month for 20 years, ₹10,000/month for 15 years, or ₹22,000/month for 10 years. Every extra year of investing significantly reduces the required monthly SIP due to compounding.