Goal Planner

Monthly SIP needed to hit a specific ₹ goal by a target date.

Goal amount (₹)

Years

Expected return

Goal

₹25,00,000

Duration

10 yr

Monthly SIP

₹108

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How it works

Given a future goal amount, tenure, and expected return, the calculator solves the SIP equation backwards to tell you the monthly investment required.

The formula

P = (Goal × r) / [((1 + r)^n − 1) × (1 + r)]

P: Required monthly SIP
Goal: Target amount at end of tenure
r: Monthly rate
n: Number of months

Worked example

Goal: ₹25 lakh in 10 years at 12% → monthly SIP ~₹10,872. Same goal in 20 years → only ~₹2,543/month.

Pro tips

Inflate the goal itself first (a ₹25L wedding today might be ₹45L in 10 years at 6%).
Use debt funds for goals < 3 years, hybrid for 3–5 years, equity for > 5 years.
Review the goal SIP annually — top up if you're behind, coast if you're ahead.

Common mistakes

Assuming a 15% return to make numbers look easier — then falling short.
Chasing one 'goal fund' — proper allocation across debt/equity is what actually works.

Go deeper

Concepts to explore

Goal-based investingBucket strategyTarget-date funds

Results are illustrative and do not include taxes, fees, or slippage. This is educational content — not investment, tax, or legal advice.