Goal-Based SIP Calculator
Find the monthly SIP needed to reach a specific savings goal.
Your inputs
This is the reverse of a regular SIP calculator — you set the target, and it works out the monthly investment required.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Goal-Based SIP Calculator
Most SIP calculators ask you to guess a monthly amount and show you what it grows to — but if you already know your target (a house down payment, your child's education, a specific retirement number), "goal based SIP calculator" flips that around and tells you the exact monthly SIP required to get there.
This is the same compounding math as a regular SIP calculator, solved in reverse: instead of computing a future value from a monthly contribution, it computes the required monthly contribution from your target future value, expected return, and time horizon. This is genuinely more useful for actual financial planning than a forward SIP calculator, since real goals usually start with a target number rather than an arbitrary monthly amount you're willing to invest. Use this for any specific savings goal with a deadline, and revisit it whenever your target amount, timeline, or return assumption changes meaningfully.
How to use this calculator
- Enter your target amount.
- Enter your time horizon to reach it.
- Enter your expected annual return.
- See the exact monthly SIP required.
Frequently asked questions
›How is required monthly SIP calculated for a goal?
It's the reverse of the standard SIP future value formula, solving for the monthly contribution that grows to your exact target amount given your expected return and time horizon.
›What if I can't afford the required monthly SIP?
Consider extending your timeline (which lowers the required monthly amount), targeting a lower goal amount, or increasing your expected return by taking on more equity exposure (with correspondingly more risk).
›Should I use a conservative or optimistic return assumption for goal planning?
A moderately conservative assumption is generally safer for important goals — overestimating returns risks falling short of your target, while a lower assumption builds in a margin of safety.
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