Goal SIP Calculator
How much to invest each month to reach your goal
To Reach Your Goal
- Your SIPs₹23,12,372(52%)
- Returns₹21,64,748(48%)
SIP needed by time to goal
| Years | Goal then | Monthly SIP |
|---|---|---|
| 3 | ₹29,77,540 | ₹68,437 |
| 5 | ₹33,45,564 | ₹40,559 |
| 7 | ₹37,59,076 | ₹28,482 |
| 10 | ₹44,77,119 | ₹19,270 |
| 15 | ₹59,91,395 | ₹11,874 |
| 20 | ₹80,17,839 | ₹8,025 |
- 1Enter your goalWhat it costs in today's money
- 2Set years and ratesInflation and expected return
- 3See your monthly SIPOr the one-time amount
How is the required SIP calculated?
First the goal is grown by inflation to its future cost. Then the SIP formula is reversed to find the monthly amount that reaches it.
Future goal = goal today × (1 + inflation)ⁿ
SIP = future goal ÷ [((1 + i)ᵐ − 1) ÷ i × (1 + i)], i = return ÷ 12, m = months
Don't forget inflation
At 6% inflation, prices double in about 12 years. A ₹25 lakh college fund today could cost ₹45 lakh in 10 years, so planning for today's price leaves a big gap.
Start early, invest less
The longer the time to your goal, the more of it compounding pays for. The table above shows how the monthly SIP shrinks as the goal moves further away.
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Frequently asked questions
What return should I use for a short goal?
For goals under 3–5 years, use a lower return (6–8%) and safer funds; equity markets can fall just when you need the money.
What inflation rate should I use?
India's consumer inflation has averaged around 5–6% over the long term. Education and healthcare costs have often risen faster, at 8–10%.
Can I combine a lumpsum and a SIP?
Yes. Invest what you have today and run this calculator again on the remaining goal to find the smaller SIP needed.
These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.
Sources
Last reviewed: October 2026