Calculator
Goal-based SIP Planner
Set a target amount and a timeline — see the exact monthly SIP needed to get there.
₹1,00,00,000 in 20 years is achievable at ₹10,009/month.
Required Monthly SIP
₹10,009
Total Invested
₹24,02,047
Wealth Gained
₹75,97,953
Target
₹1,00,00,000
- Invested
- Gained
This inverts the same compounding math a regular SIP calculator uses — instead of "how much will ₹X/month grow to?", it solves "what monthly amount grows to my target?" for your chosen rate and tenure.
Three levers move the number: a longer timeline lowers the required monthly amount (more time to compound), a higher assumed return lowers it too (higher risk), and starting with a lump sum alongside a smaller SIP reduces what the SIP alone needs to cover.
Yes — as actual returns diverge from your assumption, or your target/timeline changes, recompute periodically (e.g. annually) and adjust your SIP amount, ideally alongside a step-up.
Related tools
Working backward from a goal
Most SIP calculators answer "how much will my monthly investment grow to?" This one answers the opposite, more useful question for goal planning: "how much do I need to invest monthly to reach a specific number?" — useful for a house down payment, a child's education, or a retirement corpus with a fixed target and date.
Pick a real fund
Once you have a monthly number, compare 200+ direct-growth funds on our mutual funds catalogue to find one matching your risk profile and timeline.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
Plan the month around it with our monthly budget planner (free template).
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