Goal planning · free, no sign-up
Goal SIP calculator: how much to invest every month
Start from the goal, not from a comfortable round number. The calculator counts the money you already have, then works out the monthly SIP that fills the rest.
Change the inputs
Goal-gap solver
Works backwards from a goal instead of choosing a comfortable but random SIP.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹This works backwards from the goal. The return is only an assumption, so review the required SIP every year.
Save it in RupaylogyHow this calculator works
- Money you have already invested is grown to the goal date at the expected return.
- Whatever is still missing is the gap. The monthly SIP needed is the payment that grows to exactly that gap by the goal date, invested at the start of each month.
- Enter the goal in future rupees. For a goal priced today, raise it for inflation first, for example with the SIP-with-inflation calculator.
A worked example
For ₹1 crore in 15 years with ₹5 lakh already invested at an assumed 11%, the ₹5 lakh could become about ₹25.8 lakh. The monthly SIP needed for the remaining ₹74 lakh is about ₹16,200.
Questions people ask
How often should I recheck my goal SIP?
Once a year, and whenever your income or goal changes. Returns never arrive smoothly, so the required SIP moves over time.
What if the monthly SIP is more than I can afford?
Push the goal date out, reduce the target, or start with what you can and raise it every year. The calculator shows how each change moves the number.
Related free tools
SIP calculator with inflation
See what your monthly SIP could grow to and what that money may be worth in today's rupees after inflation. Free SIP calculator, no sign-up.
Open calculator →Cost of delay calculator
Find out what waiting one, two or five years before starting a SIP could cost you in rupees. Free cost-of-delay calculator, no sign-up.
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