Goal SIP
Goal SIP Calculator
Work backwards from a target corpus to the constant monthly SIP that would reach it if the assumed return is earned every month.
Planning from the goal
Goal SIP reverses the usual SIP future-value formula. You choose the ending amount and the years; the calculator solves for the monthly contribution.
Example
A ₹50 lakh goal in 15 years at an assumed 12% a year needs a level monthly SIP of about ₹10,000. Change the rate and the installment moves with it.
Goal SIP formula
P = FV / ([((1 + r)^n − 1) / r] × (1 + r))
FV is the target corpus, r is the monthly assumed return, and n is the number of months. P is the monthly SIP needed under a constant return.
Frequently asked questions
What if I will raise the SIP later?
This tool assumes a level installment. Use the Step-up SIP calculator if you plan a yearly increase, then compare both answers.
Why is the required SIP so high?
A large goal, a short period or a low assumed return all raise the installment. Try a longer horizon before stretching cash flow.
Are returns guaranteed if I invest that amount?
No. The math only says what a constant rate would require. Markets can undershoot the rate you typed.
Related calculators
- SIP CalculatorEstimate the future value of monthly systematic investments, with an optional annual step-up.
- Step-up SIP CalculatorProject SIP growth when the monthly installment increases once a year.
- Retirement CalculatorEstimate a retirement corpus, required monthly investing and any shortfall or surplus.
- Lumpsum CalculatorProject the growth of a one-time investment at an expected annual return.
Browse the full directory on the calculators page.
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SmartCalculators provides educational calculators and estimates. Results are for informational purposes only and should not be considered financial, tax, investment, legal or professional advice.