Goal SIP Calculator

Calculate the monthly systematic investment required to achieve your target financial wealth goals.

Reviewed for Budget 2025 • Last updated 21 June 2026 • by Sandesh D.

Target Goal Parameters

Target Corpus₹1,00,00,000
The target amount of money you want to accumulate
₹
Expected Return (% p.a.)12%
Assumed annual growth rate
%
Time Period (Years)15 Years
Duration to reach your target
Years

Required Investment

Invested Capital (36%)Compounded Gains (64%)
Required Monthly SIP₹19,819
Total Principal Invested₹35,67,352
Estimated Gains Earned₹64,32,648
*Note: This assumes a flat monthly SIP (no annual step-ups).
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Calculation Methodology & Rules

The Goal SIP Calculator (or Reverse SIP Calculator) computes the constant monthly investment needed to build a specific target corpus based on an expected rate of return and timeframe. Read our detailed guides: How Much SIP Do You Need for 1 Crore? or how starting early alters your retirement corpus in How Much to Invest Monthly to Retire.

Goal SIP Calculation Formula

For a monthly compounding advance annuity, the monthly SIP required (M) is computed by inverting the future value formula:

M = Target Corpus / [ ( ((1 + i)n- 1) / i ) × (1 + i) ]

Where:

  • i: Monthly interest rate (Expected annual return % / 12 / 100)
  • n: Total number of compounding periods in months (Years × 12)

Assumption Note

This tool assumes a flat monthly investment amount throughout the entire period. If you plan to increase your SIP annually (Step-up SIP), the initial monthly contribution required will be significantly lower.

For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.

Frequently Asked Questions

The required monthly SIP depends on your timeframe and expected return rate. For example, if you assume a 12% annual return rate, you would need to invest: • ₹10,000 per month for ~20 years • ₹19,819 per month for 15 years • ₹43,040 per month for 10 years Use the Goal SIP calculator to test custom horizons.

A goal-based SIP is a systematic investment plan where you begin with a target corpus (e.g. child education, wedding, retirement) and calculate backward to determine the exact monthly contribution required to reach it.

Yes, you can increase your SIP contributions as your income grows. While this calculator assumes a flat monthly SIP (no step-up), setting up an annual step-up of 5% or 10% will help you achieve your goals much faster or with a lower initial monthly payment.