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Goal Planning – SIP

How much should you invest monthly/annually to reach your target?

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Goal Planning – SIP
How much should you invest monthly/annually to reach your target?
Target amount
₹
fifty lakhrupees
Expected annual return (%)
%
Investment period
Years
Monthly SIP needed
₹21,520
48%
returns
Invested
Returns
Target amount₹50.00 L
Monthly SIP needed₹21.5K
Total to invest₹25.82 L
Returns earned₹24.18 L
Start SIP now →

For illustration only. MF returns not guaranteed. Market risks apply.

⚠️ Disclaimer: Results are for illustration only. Mutual Fund investments subject to market risks. Assumed returns may not reflect actual performance. Read all scheme-related documents carefully. Not investment advice.
About this calculator

Goal Planning – SIP — explained

The Goal Planning SIP Calculator is one of the most popular mutual fund tools in India because it answers the single most actionable question in personal finance: how much should I invest every month to reach my goal? Whether you're planning your retirement corpus, your child's higher education, a home down-payment, a wedding fund, or pure wealth creation, this online SIP planner reverses the compounding maths to give you the exact monthly SIP figure.

Enter your target corpus, expected annual return, and horizon in years, and the calculator instantly tells you the monthly SIP required, the total amount you'll invest over time, and the returns compounding will add on top. Goal-based SIP planning is the cornerstone of Indian wealth building because it converts abstract goals into a concrete, automated monthly contribution that fits within your salary. Backed by AMFI Registered MFD Nithin Finserv, Bengaluru.

What is the Goal Planning – SIP?

A Goal SIP is a Systematic Investment Plan where the monthly contribution is calculated specifically to reach a defined future target. Unlike a generic 'save what I can' SIP, a goal SIP is engineered: you start from the target amount and the deadline, and work backwards to the exact monthly figure your salary must commit. Most Indian investors maintain multiple parallel goal SIPs — one for retirement, one for the child's education, one for a home, etc. — each with its own monthly amount, fund choice, and horizon.

How it works — the formula

Monthly SIP = Target × r / [((1 + r)^n − 1) × (1 + r)], where r is the monthly rate (annual ÷ 12) and n is the total number of months. The calculator inverts the SIP future value formula to solve for the monthly contribution. Output includes the monthly amount needed, total invested over time, and returns generated by compounding — giving you a clear picture of how much is contribution vs how much is growth.

How to use this calculator

  1. 1Enter your target corpus in rupees — what you want at the end of the SIP
  2. 2Choose an expected annual return rate based on the fund category and horizon
  3. 3Set the investment tenure in years — longer horizons mean smaller monthly SIPs
  4. 4Read the monthly SIP needed, total to invest, and projected returns from compounding
  5. 5If the SIP is unaffordable, extend the horizon (most impactful), increase return, or step up the SIP yearly
  6. 6Compare with our Goal Planning Lumpsum Calculator if you have a surplus to combine with the SIP

Key features

  • ✓Reverse SIP calculation for any goal, any tenure, any return rate
  • ✓Real-time updates as you tweak inputs
  • ✓Donut chart breakup of invested capital vs compounded returns
  • ✓Designed for Indian salaried investors with monthly cash flow
  • ✓Free, mobile-friendly, no signup required

Frequently asked questions

How much SIP do I need to become a crorepati in India?
It depends on your horizon and assumed return. At 12% return: ~₹10,000/month for 20 years, ~₹19,800/month for 15 years, ~₹43,000/month for 10 years, or ~₹1,55,000/month for 5 years. Longer is cheaper because compounding does more of the work.
What if I can't afford the calculated SIP amount?
Three options: extend the horizon (most impactful), increase the assumed return by switching to a higher-equity fund, or reduce the goal to what's actually affordable. Starting small is far better than not starting — even ₹500/month builds meaningfully over 30 years.
Should I use step-up SIP for goal planning?
Yes, if your income grows annually. A 10% step-up SIP reaches the same target with a much lower starting amount because each year's contribution is bigger. Use our Step-Up SIP Calculator to compare flat-SIP and step-up-SIP scenarios.
Is this calculator suitable for retirement planning?
It can be used for retirement goals, but for the most accurate retirement planning use our dedicated Retirement Planning Calculator — it factors in inflation, post-retirement expenses, and the corpus needed to sustain your lifestyle in retirement.
Can I use this for ELSS tax-saving SIPs?
Yes. ELSS works the same way mathematically. Note the ₹1.5 lakh annual cap under Section 80C and the 3-year lock-in that applies to each SIP instalment separately.
What is the difference between goal SIP and regular SIP?
A regular SIP is a generic monthly investment in a fund. A goal SIP is the same thing but tagged to a specific outcome (e.g., 'retirement at 60', 'child's UG at 18') and the amount is calculated to reach that specific goal.
How accurate is the projected corpus?
Exact for the assumed return, but actual mutual fund returns vary year to year. Use 10–12% as a conservative assumption for diversified equity over 7+ years and revisit the plan annually.
Should I run multiple goal SIPs in parallel?
Yes, that's the right way to plan. Use separate SIPs for separate goals so each goal has its own fund choice, horizon, and contribution. This prevents 'goal cannibalisation' where you withdraw for one goal at the expense of another.
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