Goal-based SIP Calculator
Calculate the exact monthly SIP needed to reach any financial goal — house, car, education, or retirement — adjusted for inflation and your expected return rate.
Need step-up SIP or lump sum + SIP scenarios? Use the advanced SIP Calculator for those cases.
Goal-based SIP Calculator
Define your goal and let the numbers work backwards.
Future Goal Value
Buy a Car will cost this much in 10 years
₹1.8M
₹7,785
per month for 10 years
₹934K
120 monthly contributions
₹857K
Returns at 12% p.a.
₹1.8M
Inflation at 6%
- →"Buy a Car" costs ₹10,00,000 today, but with 6% inflation it will cost ₹17,90,848 in 10 years.
- →To reach that, invest ₹7,785/month at 12% annual return. You will put in a total of ₹9,34,198.
- →Compounding does the rest: ₹8,56,650 is pure growth on top of your contributions.
For step-up SIP, inflation scenario testing, or lump sum plus SIP planning, use the advanced SIP Calculator.
Goal-Based SIP — How it works
Define a financial goal, pick your inflation and return assumptions, and the calculator reverse-engineers the exact monthly investment needed to reach it.
Formula chain
FV = PV × (1 + i)^n
Inflate today's goal to its real future cost
SIP = FV × r / ((1 + r)^m − 1)
Monthly investment to reach that inflated value — where r = R / 12 / 100 and m = n × 12
Gains = FV − (SIP × m)
Wealth created purely by compounding, beyond your contributions
PV — Today's goal cost
i — Inflation rate / 100
n — Years to goal
FV — Inflation-adjusted goal
R — Annual return %
r — R / 12 / 100
m — n × 12 (months)
SIP — Monthly investment
Inflate your goal
Your goal's present cost is compounded at the inflation rate to give the real amount you will need on the target date.
Reverse-engineer the SIP
The SIP formula works backwards from the inflated future value to find the fixed monthly contribution that grows to exactly that amount.
Reveal the wealth gap
Subtracting total contributions from the goal value shows how much of your final corpus is pure compounding return — nothing added by you.