Mutual Fund Compare

Goal SIP calculator

Written and reviewed by Omm · Last reviewed · General information, not investment advice

Start from the goal. Enter the amount you want, how many years you have and the return you expect, and the calculator tells you the monthly SIP required.

Between 10000 and 1000000000

%

Between 1 and 30

years

Between 1 and 40

Monthly SIP needed

₹21,521

Total invested

₹25,82,433

Estimated returns

₹24,17,567

Year 1Year 10
ValueInvested
Year-by-year breakdown
YearInvestedValue
1₹2,58,243₹2,75,660
2₹5,16,487₹5,86,281
3₹7,74,730₹9,36,296
4₹10,32,973₹13,30,702
5₹12,91,216₹17,75,129
6₹15,49,460₹22,75,920
7₹18,07,703₹28,40,224
8₹20,65,946₹34,76,096
9₹23,24,189₹41,92,612
10₹25,82,433₹50,00,000

How it works

SIP = Target ÷ { [ ((1 + i)ⁿ − 1) ÷ i ] × (1 + i) } where i = yearly return ÷ 12 and n = number of months

This is the SIP formula solved for the monthly amount instead of the final value. The factor in the denominator is how much one rupee invested every month grows to over the period.

The shorter the time and the lower the return you assume, the larger the monthly amount you need. Try a more conservative return to see how much extra margin you would need.

The expected return is an assumption, not a promise. Equity mutual fund returns change from year to year and can be negative; use the screener to see what specific funds have actually delivered.

Example. To build ₹50,00,000 in 15 years at an assumed 12% a year you would need a SIP of about ₹9,910 a month.

Read the guide: What is a SIP? How a systematic investment plan works.

Frequently asked questions

How do I plan a SIP for a financial goal?

Decide the target amount in today’s money, adjust it for inflation, choose how many years you have, and enter a return you consider realistic. The calculator then gives the monthly SIP needed.

Should I include inflation?

The calculator does not adjust for inflation by itself. For a goal that is many years away, enter a larger future target that already allows for inflation.

What if I cannot afford the SIP amount shown?

You can extend the time, lower the target, or use a step-up SIP that starts smaller and grows each year. The step-up SIP calculator shows that option.

Is reaching the goal guaranteed?

No. The calculation assumes the same return every month. If actual returns are lower, you will fall short of the target.

How much SIP do I need for ₹1 crore?

At an assumed 12% a year you need about ₹43,041 a month for 10 years, ₹19,819 a month for 15 years, or ₹10,009 a month for 20 years. Starting five years earlier roughly halves the monthly amount.

How much SIP do I need for ₹50 lakh in 10 years?

About ₹21,520 a month at an assumed 12% a year, or about ₹24,207 a month at 10%.

Sources

Rules, rates and definitions on this page come from these official sources. Check the current position there before you decide.

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