Goal-based SIP Calculator — How Much to Invest Monthly
How the Goal SIP Calculator India Works
Monthly SIP required to reach financial goals at 12% annual return
| Goal Amount (₹) | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|
| ₹25 lakhs | ₹11,722 | ₹5,784 | ₹3,081 | ₹1,735 |
| ₹50 lakhs | ₹23,444 | ₹11,568 | ₹6,162 | ₹3,470 |
| ₹1 crore | ₹46,887 | ₹23,137 | ₹12,323 | ₹6,940 |
| ₹2 crore | ₹93,774 | ₹46,274 | ₹24,646 | ₹13,881 |
| ₹5 crore | ₹2,34,435 | ₹1,15,685 | ₹61,614 | ₹34,702 |
Real-World Examples — 2026
Building ₹1 crore retirement corpus in 20 years
To accumulate ₹1 crore in 20 years at 12% annual return, you need to invest approximately ₹12,323/month via SIP. Over 20 years, you invest ₹29.6 lakhs, and the market generates approximately ₹70.4 lakhs in returns — meaning more than 70% of your corpus comes from compounding, not your own savings.
Planning for a child's higher education — ₹25L in 15 years
For a child born today, planning ₹25 lakhs for higher education in 15 years at 12% return requires a SIP of only ₹5,784/month. Starting early reduces the required monthly commitment dramatically. Waiting 5 years and planning for the same goal in 10 years would require ₹11,722/month — more than double.
| Goal (₹) | Years | Monthly SIP Needed (₹) | Total Invested (₹) |
|---|---|---|---|
| ₹25,00,000 | 15 years | ₹5,784 | ₹10,41,120 |
| ₹25,00,000 | 10 years | ₹11,722 | ₹14,06,640 |
| ₹25,00,000 | 5 years | ₹33,734 | ₹20,24,040 |
How to Use These Results
How should I account for inflation when setting a financial goal?
Add expected inflation to your goal amount. If you need ₹50 lakhs in today's money after 15 years, at 6% inflation your actual target should be ₹50L × (1.06)^15 = ₹1.20 crore. Use the inflated figure in this calculator. Alternatively, subtract the inflation rate from your expected return to get the real return, and use ₹50L as the goal — both approaches give the same answer.
What if I cannot afford the calculated SIP amount?
If the required SIP exceeds your budget, extend the timeline — even 2–3 more years significantly reduces the monthly requirement. Alternatively, start with what you can afford and increase the SIP by 10–15% every year using a step-up SIP. Our Step-Up SIP calculator shows how annual increases can help you reach goals you cannot immediately fund.
Frequently Asked Questions
How much SIP is needed to accumulate ₹1 crore in 10 years?
To accumulate ₹1 crore in 10 years at 12% annual return, you need a monthly SIP of approximately ₹46,887. At a more optimistic 15% return, the required SIP falls to approximately ₹39,294/month. The key insight is that at 12% for 10 years, only ₹56.3 lakhs of the ₹1 crore comes from your investments — the remaining ₹43.7 lakhs is generated by compounding.
What is goal-based SIP investing?
Goal-based SIP investing reverses the typical approach: instead of investing what you can afford and seeing what you get, you define a specific financial goal (retirement corpus, child's education, home down payment) and calculate the exact SIP needed to reach it. This approach ensures your investments are directly tied to your life goals and helps you stay committed through market volatility.
How does the goal SIP formula work?
The reverse SIP formula is: Required Monthly SIP = Goal Amount × r / [((1+r)^n − 1) × (1+r)], where r is the monthly return rate (annual rate ÷ 12 ÷ 100) and n is the number of months. This is the inverse of the standard SIP maturity formula, solving for the monthly payment instead of the final value.
Should I account for step-up SIP in goal planning?
Yes. If you expect your income to grow over time, plan for a step-up SIP rather than a flat SIP. A step-up SIP that increases by 10% annually can achieve the same goal as a flat SIP but starts with a much lower initial investment. For example, a flat SIP of ₹23,444/month for 10 years to reach ₹50L at 12% could be replaced with a step-up SIP starting at ₹16,000/month with 10% annual increases.
What rate of return should I use for goal SIP planning?
Use 10–12% for large-cap equity fund projections, 12–14% for diversified equity funds, and 6–7% for debt or hybrid funds. For goals more than 10 years away, equity funds are appropriate. For goals 3–7 years away, balanced/hybrid funds with 8–10% returns are more suitable. For goals under 3 years, use debt fund rates of 6–7% to avoid sequence-of-returns risk.
How do I plan for a ₹50 lakh retirement corpus via SIP?
To build ₹50 lakhs in 20 years at 12% annual return, invest ₹6,162/month. In 15 years at the same rate, invest ₹11,568/month. The earlier you start, the smaller the monthly commitment needed. Most financial planners recommend starting a retirement SIP as early as age 25 to benefit from maximum compounding time and the lowest possible monthly contributions.