Mutual Fund Calculator

Goal SIP Calculator

Turn a future financial target into a practical starting SIP, then see how existing savings, inflation and annual contribution increases change the plan.

Live goal-planning workspaceTarget · funding gap · scenarios · delay costV2

GOAL READINESS LAB

Inflate the goal, credit existing savings and stress-test the monthly SIP needed.

Choose the planning questionStart a plan or test the SIP you already invest

Plan for

Set the goal coordinatesAmounts update instantly as you type or drag

Goal amount in today’s money₹

₹1L₹10Cr

Time availableyrs

1 yrs40 yrs

Expected annual return%

0 %30 %

Existing amount for this goal₹

₹0₹5Cr

Quick target

Strengthen the assumptionsInflation, annual step-up and safety margin

Advanced plan

Annual inflation for the goal%

0 %15 %

Annual SIP step-up%

0 %25 %

Extra goal safety margin%

0 %25 %

Step-up plan

Existing savings use the same return assumption as new SIPs. The safety margin raises the final target after inflation.

YOUR GOAL READINESSFuture corpus plan

—

Required starting monthly SIP—The first-year monthly commitment under your selected step-up.

— final-year SIP— goal horizon

—funded

—

Goal at target date——

Target-funded corpus——

Funding gap——

Estimated growth contribution——

TODAY—

INFLATION ADDS—

SAFETY MARGIN—

FINAL TARGET—

GOAL READINESS MAPYour target-funded journeyFollow the planned corpus towards the inflation-adjusted target.

—

Required SIP across return assumptionsA higher assumption lowers the SIP—but does not make the return more certain

Lower-return case——

Your base assumption——

Higher-return case——

Plan levers before taking more riskSee what time, an extra contribution or a one-time amount can change

Starting SIP required——

If the start is delayed 1 year——

If the goal moves 2 years later——

One-time investment equivalent today—instead of new monthly SIPs

Read your plan

—

Treat every result as a planning range—not a return promise

Market returns are uneven and can be negative. This illustration assumes uninterrupted beginning-of-month SIPs, annual step-ups after every 12 instalments and a constant monthly return. Taxes, product expenses and missed contributions are not modelled.

Review the goal at least annually and whenever the goal cost, available time, contribution capacity or investment mix changes.

Start with the goal, solve the contribution

How the Goal SIP Calculator works

A normal SIP calculator starts with a monthly investment and projects an ending value. This goal-based calculator reverses that process: it first estimates the amount required at the goal date, subtracts the projected contribution of existing savings, and then solves the starting monthly SIP needed for the remaining target.

Convert today’s goal into future rupees

Future target = Today’s goal × (1 + Inflation)^Years

Use inflation when the entered amount represents today’s purchasing power. Set inflation to zero if your goal amount is already stated in future rupees.

Credit existing investments first

Remaining target = Future target − Existing amount × (1 + Monthly return)^Months

Money already invested is allowed to compound for the full selected period. Only the remaining future requirement must be funded through new SIP instalments.

Solve a flat or increasing SIP

Starting SIP = Remaining target ÷ Step-up future-value factor

For a step-up plan, the monthly amount increases after every 12 instalments. The calculator simulates each deposit at the beginning of the month rather than approximating the step-up with one annual average.

Worked ₹1 crore goal example

A 15-year plan with a 10% annual step-up

For a ₹1 crore future target, 15 years and a constant illustrative return of 12% a year, a flat beginning-of-month SIP is about ₹19,819. If the SIP is increased by 10% after every year, the required starting amount falls to about ₹11,516, but the monthly commitment in the final year rises to roughly ₹43,731. The step-up is useful only when those future increases are affordable.

Future target₹1 croreinflation set to zero

Starting SIP₹11,51610% yearly step-up

Final-year SIP₹43,731after 14 increases

Stress-test the plan: compare a lower return, a shorter time horizon and a smaller step-up. A robust goal should not depend entirely on the most optimistic return assumption or on income increases that may not happen.

Investor-awareness resourcesSEBI Investor: Mutual fund Riskometer ↗SEBI Investor: Guaranteed-return warning ↗

Frequently asked questions

What is a Goal SIP Calculator?

A Goal SIP Calculator works backwards from a target amount and time horizon to estimate the starting monthly investment required. This version can also account for existing savings, inflation and a planned annual increase in the SIP.

How does annual SIP step-up change the required amount?

A step-up raises the monthly SIP after every 12 instalments. Because later contributions become larger, the required starting SIP is lower than under a flat plan, but the investor must be able to maintain those scheduled increases.

Why should inflation be included in a financial goal?

If the entered goal represents today’s purchasing power, inflation can make the future cash requirement much larger. The calculator compounds the target at the selected inflation rate before calculating the SIP needed. Set inflation to zero when the entered target is already the future amount.

How can I check whether my current SIP is enough?

Choose Check My SIP and enter the monthly amount already assigned to this goal. The calculator projects that plan using the selected annual step-up, compares it with the inflation-adjusted target and displays the estimated coverage, shortfall or surplus and additional starting SIP required.

What do the lower, base and higher return cases mean?

They are deterministic planning comparisons around the return you entered, not probability forecasts. The lower case subtracts three percentage points and the higher case adds three percentage points within the supported range, helping show how sensitive the required SIP is to the assumption.

Why does delaying a Goal SIP increase the monthly amount?

The goal date and target remain fixed while fewer instalments have time to compound. The delay view compares the starting SIP required now with a one-year and three-year delay, so the reduced contribution runway is visible before the investor relies on a higher return assumption.

What does the one-time investment equivalent mean?

It is the mathematical amount that would need to be invested today, after crediting the existing goal investment, to reach the same future target under the entered constant return. It is an illustration rather than a recommendation to replace SIPs with a lump sum.

Is the calculated monthly SIP guaranteed to reach the goal?

No. The result assumes a constant return and uninterrupted contributions. Actual market returns vary, may be negative, and are not guaranteed. Review the goal periodically and adjust contributions when returns, costs or the time horizon change.