Goal-Based SIP Calculator

What This Goal-Based SIP Calculator Does

Instead of asking "what will my SIP grow into", this calculator flips the question around: given a target amount you want to reach and a time period, how much do you need to invest every month to get there? It is the inverse of the standard SIP Calculator.

The Formula

This rearranges the SIP future value formula to solve for the monthly instalment: P = FV / [((1+r)ⁿ - 1) / r × (1+r)], where FV is your target amount, r is the monthly expected return, and n is the number of months. The result is the fixed monthly SIP that, compounded at your assumed rate, reaches exactly your target by the end of the period.

How to Use It

Enter your target amount (a house down payment, a child's education fund, a retirement number - whatever the goal is), your expected annual return, and the number of years you have to reach it. The calculator instantly shows the monthly SIP required, along with a breakdown of how much of the final target comes from your own contributions versus estimated investment growth.

Setting a Realistic Target

It helps to work out your target amount in today's terms first, then check whether it needs inflating for a future goal - the Inflation Calculator or the dedicated Child Education Planner can help with that step before you plug a number in here. The return assumption matters a lot for longer time horizons, so err on the conservative side if the goal is essential rather than aspirational.

Who This Is For

Anyone working backward from a specific financial goal and a deadline - a wedding, a home purchase, a child's education, or an early retirement number - to figure out exactly how much monthly discipline it will take to get there.