Goal SIP Calculator

Estimate the monthly SIP needed to reach a target amount by a chosen goal date.

Tax year 2026 - Updated June 2026

Goal SIP inputs

Target corpus

INR

Current savings

INR

Expected annual return

Expected inflation

Goal duration

years

Required monthly SIP

₹19,819

To target ₹1,00,00,000 in 15 years at an assumed 12% annual return.

Total SIP invested

₹35,67,352

Current savings

₹0

Estimated returns

₹64,32,648

Contributions: 36%Returns: 64%

Monthly rate used

1.000%

Total months

180

Amount still to fund

₹1,00,00,000

Goal SIP growth chart

Year-by-year estimate of required savings versus projected corpus.

Projected corpusSavings and SIP investedFinal: ₹99,00,990

Inflation-adjusted estimate

₹41,72,651

Real return: 5.66%

Nominal value

₹1,00,00,000

Purchasing-power loss

₹58,27,349

Cumulative inflation

139.66%

Uses 6% annual inflation to show today-value purchasing power. This is still an estimate, not a guaranteed real return.

Formula used

Monthly rate = expected annual return / 12 / 100.
Total months = goal duration in years x 12.
Current savings are compounded to the goal date first.
Amount still to fund = target amount - future value of current savings.
Required monthly SIP = amount still to fund / [((1 + r)^n - 1) / r x (1 + r)].
If expected return is 0%, required monthly SIP = amount still to fund / total months.
Inflation-adjusted value = future value / (1 + expected inflation) ^ duration years.
Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Contribution base: ₹35,67,352 before estimated returns. This is only a planning estimate, not a return guarantee.

Quick answers

Goal SIP Calculator FAQs

How does the Goal SIP Calculator work?

It starts with your target amount, subtracts the estimated future value of current savings, and calculates the monthly SIP needed to cover the remaining gap by the goal date.

Can I calculate SIP for Rs 1 crore target?

Yes. Enter Rs 1 crore as the target amount, add your current savings if any, choose expected return and duration, and the calculator estimates the required monthly SIP.

Does current savings reduce the required SIP?

Yes. Current savings are grown to the goal date using the expected return assumption, then reduced from the target amount before calculating the SIP needed.

Does the Goal SIP Calculator include inflation?

No. It calculates the SIP needed for the target amount you enter. If your goal is inflation-sensitive, first estimate the future cost with the Inflation Calculator.

Is the required SIP amount guaranteed?

No. The result depends on the expected return you enter. Market-linked returns can be higher or lower, so review the plan periodically.

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Guide

Goal SIP Guide

Understand how required monthly SIP is calculated.

Assumptions

Assumes SIP investments are made monthly for the full goal duration.
Assumes a fixed expected annual return compounded monthly.
Current savings are compounded to the goal date before calculating the SIP gap.
Does not include taxes, exit loads, expense ratios, inflation, missed installments, or market volatility.
Actual investment returns can be higher or lower than the estimate.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Formula used

Monthly rate = expected annual return / 12 / 100.

Total months = goal duration in years x 12.

Current savings are compounded to the goal date first.

Amount still to fund = target amount - future value of current savings.

Required monthly SIP = amount still to fund / [((1 + r)^n - 1) / r x (1 + r)].

If expected return is 0%, required monthly SIP = amount still to fund / total months.

Inflation-adjusted value = future value / (1 + expected inflation) ^ duration years.

Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Assumptions

Assumes SIP investments are made monthly for the full goal duration.

Assumes a fixed expected annual return compounded monthly.

Current savings are compounded to the goal date before calculating the SIP gap.

Does not include taxes, exit loads, expense ratios, inflation, missed installments, or market volatility.

Actual investment returns can be higher or lower than the estimate.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.