Goal-Based SIP Calculator
Calculate how much monthly SIP you need to reach any financial goal. Find required SIP for Rs 1 crore retirement, home down payment, child education. Includes inflation adjustment.
Goal-Based SIP Calculator
Results update instantly
Your target corpus — enter future value goal (not today's value)
Expected annual return from your investment — equity SIP: 12%
Estimates based on constant rate assumption. Actual returns may vary.
| Year | Invested | Returns | Total Value |
|---|
To accumulate Rs 1 Cr in 15 years at 12% CAGR: you need a SIP of only Rs 20,017/month. The same Rs 1 Cr in 10 years needs Rs 43,470/month — more than double. Starting 5 years earlier halves your required monthly investment. Time is the most powerful financial tool available.
What is a Goal-Based SIP Calculator?
A goal-based SIP calculator is the reverse of a standard SIP calculator. Instead of asking "what will my monthly SIP grow to?" it answers "how much should I invest monthly to reach my financial goal?" This is the calculator that converts your financial dreams into an actionable monthly savings number.
Reverse SIP formula
Target = Goal corpus (future value)
r = Monthly return rate (annual rate / 12 / 100)
n = Tenure in months
Common financial goals and required SIPs
Home down payment (Rs 25L in 5 years at 12%): Required SIP = Rs 30,500/month.
Child's graduation fund (Rs 50L in 12 years at 12%): Required SIP = Rs 17,700/month.
Retirement corpus (Rs 5 Cr in 25 years at 12%): Required SIP = Rs 17,600/month.
Luxury car fund (Rs 15L in 4 years at 10%): Required SIP = Rs 25,600/month.
Always inflation-adjust your goal
If you need Rs 50L for your child's education 15 years from now, the actual cost at 8% education inflation will be Rs 1.59 Cr — not Rs 50L. Use the inflation calculator first to find the future cost of your goal, then use this goal-based SIP calculator to find the required monthly investment.
ThriftRupee tips for goal-based investing
Tip 1: Use different funds for different goals. Emergency fund in liquid funds (7% return). Child education in 12 years in balanced advantage or flexi-cap (12% target). Retirement in 25+ years in 100% equity (12-15% target). Match fund risk to goal timeline.
Tip 2: Review and rebalance annually. If markets have given 18% this year vs your 12% assumption, you've built extra corpus ahead of plan. Don't increase spending — review if you can reduce future SIP or increase the goal target.
Tip 3: Automate with ECS/NACH. Goal-based SIPs only work if they're automatic and untouchable. Set up ECS debit on salary credit date — the money leaves before you can spend it. Treat each goal's SIP as non-negotiable as your EMI.