Goal SIP Calculator
Finance & InvestmentWork backwards from a target — what monthly SIP reaches ₹1 crore in the time you have?
Runs entirely in your browser — nothing is uploaded
Most SIP calculators ask what you can invest and tell you where you end up. This runs the other way: name the amount you need and the time you have, and it finds the instalment that gets there. It also shows what a single lump sum today would have to be to reach the same target, which is a useful sanity check — and lets you add an annual step-up, since an instalment that rises with your income is usually easier than a large flat one.
What people do next
Features
- Solves for the monthly investment, rather than the final value.
- Handles an annual step-up, and shows what it saves against a flat SIP.
- Gives the equivalent single lump sum today.
- Splits the target into what you invest and what returns contribute.
How to use the Goal SIP Calculator
- 1Enter the amount you are aiming for.
- 2Set how long you have.
- 3Set an expected return, then run it again at a lower one.
- 4Optionally add an annual step-up to lower the starting instalment.
Frequently asked questions
How much SIP do I need for ₹1 crore?
Over fifteen years at 12%, roughly ₹20,000 a month. Over twenty years the same target needs about ₹10,000, and over ten it needs about ₹43,000 — time does far more work than the amount does. Those figures assume the return holds, which is why running the same goal at 9% or 10% is worth doing before committing.
How does this calculate the instalment?
It searches for it. With a flat SIP the maths inverts cleanly, but an annual step-up changes the instalment every twelfth month and has no clean inverse — so the calculator narrows in on the answer by bisection, which works because the final value always rises with the instalment.
Is a step-up SIP better than a flat one?
For reaching a fixed target it needs a smaller starting instalment, because later years carry more of the load. Whether that is better depends on whether your income actually rises as assumed. Check the final instalment before committing — a 10% annual step-up over twenty years ends at nearly seven times where it began.
What return should I assume?
For equity funds over a long horizon, 10-12% is a common planning assumption, and lower for anything shorter or more conservative. The honest use of this tool is to try a pessimistic rate and see whether the goal still works — a plan that only survives at 14% is telling you something.