Goal SIP calculator
The monthly SIP needed to reach a target
Worked example
Using the default values, goal sip calculator gives a monthly sip required of ₹21,520.
| Item | Value |
|---|---|
| Target | ₹50,00,000 |
| Months | 120 |
| Goal reached by | 2036 |
| Monthly SIP | ₹21,520 |
What you need
- Target amount
- Expected return
- Time available
Questions
What return should I assume?
Equity funds have historically returned 10–12% a year over long periods, debt funds 6–7%. Assuming more than 12% makes the required SIP look comfortably small and the goal correspondingly harder to reach.
What if I cannot afford the SIP it suggests?
Lengthen the timeline or lower the target. Both reduce the monthly figure sharply, because compounding does more of the work when given more time.