Goal SIP Calculator
How much SIP for your goal?
Goal inputs
Required SIP
Monthly SIP
Total invested
Estimated returns
Solve the standard SIP formula FV = P × [((1+r)n − 1) / r] × (1+r) for P given a target FV.
Goal planning the right way
Most retail investors think of SIP as "I'll invest ₹X monthly and see what happens." Goal-based SIP flips the equation: start from what you actually need (a child's college fees, a house down-payment, a comfortable retirement corpus), then solve backwards for the monthly amount.
Choosing a realistic return
For long-horizon (≥ 7 year) goals in equity-leaning mutual funds, 12% p.a. is a defensible "central case" based on historical Nifty 500 TRI returns. Use 10% for a conservative estimate, 14% as an optimistic case. For short-horizon goals (< 5 years) where you'd use debt funds, drop the rate to 6-8%.