Goal SIP Calculator
Monthly SIP needed to reach a target amount
Target amount₹1,00,00,000
Monthly SIP needed₹19,819
Or one-time lumpsum today₹18,26,963
Total invested through SIP₹35,67,352
Growth over time
Year-wise breakdown
| Year | Invested amount | Est. returns | Total |
|---|
| 1 | ₹2,37,823 | ₹16,040 | ₹2,53,863 |
| 2 | ₹4,75,647 | ₹64,276 | ₹5,39,923 |
| 3 | ₹7,13,470 | ₹1,48,791 | ₹8,62,261 |
| 4 | ₹9,51,294 | ₹2,74,187 | ₹12,25,481 |
| 5 | ₹11,89,117 | ₹4,45,649 | ₹16,34,766 |
| 6 | ₹14,26,941 | ₹6,69,018 | ₹20,95,959 |
| 7 | ₹16,64,764 | ₹9,50,878 | ₹26,15,642 |
| 8 | ₹19,02,588 | ₹12,98,646 | ₹32,01,234 |
| 9 | ₹21,40,411 | ₹17,20,682 | ₹38,61,093 |
| 10 | ₹23,78,234 | ₹22,26,405 | ₹46,04,639 |
| 11 | ₹26,16,058 | ₹28,26,429 | ₹54,42,487 |
| 12 | ₹28,53,881 | ₹35,32,712 | ₹63,86,593 |
| 13 | ₹30,91,705 | ₹43,58,732 | ₹74,50,437 |
| 14 | ₹33,29,528 | ₹53,19,673 | ₹86,49,201 |
| 15 | ₹35,67,352 | ₹64,32,648 | ₹1,00,00,000 |
Results are estimates for illustration only and not financial advice. Actual returns vary.
About the Goal SIP Calculator
Start with a goal, such as a child's education or a house down payment, and find out how much to invest each month to reach it.
Enter the target amount, expected return and years. You will see the monthly SIP and the one-time amount that would give the same result.
Formula used
SIP = Target ÷ { [((1 + i)^n − 1) / i] × (1 + i) }. Lumpsum = Target ÷ (1 + r)^t.
Frequently asked questions
Should I include inflation?
Yes. Enter a target that already includes expected price increases, or use the Inflation Calculator first.
What if I cannot afford the SIP?
Extend the time, lower the target or use the step-up SIP calculator to start small and increase.
Is a lumpsum or SIP better for a goal?
If you have a large amount now, a lumpsum works. Otherwise a SIP builds the amount steadily.
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