Guides / How to Plan Financial Goals and the SIP You Need
How to Plan Financial Goals and the SIP You Need
1 Oct 2026A goal turns "I should save" into a number you can act on.
Step by step
- Write the goal and the year you need it.
- Estimate the cost in future prices. Add inflation.
- Choose a realistic return for the time frame.
- Find the monthly SIP with the Goal SIP Calculator.
- Automate it and review once a year.
Examples at 12% a year
| Goal | Years | Monthly SIP needed |
|---|---|---|
| ₹25 lakh house down payment | 10 | ₹10,760 |
| ₹50 lakh child's education | 15 | ₹9,909 |
| ₹1 crore for a long-term goal | 20 | ₹10,009 |
Match the investment to the time
- Under 3 years: safer options such as FDs or debt funds.
- 3 to 7 years: a mix of debt and equity.
- 7 years or more: a higher share of equity, if you can handle ups and downs.
If the SIP is too high
- Extend the timeline.
- Lower the target.
- Start with a smaller SIP and raise it with the Step-up SIP Calculator.
Returns are estimates and not guaranteed.
Try the Goal SIP Calculator