You need ₹19,819/month. At 12% return for 15 years, your corpus would be ₹1.00 Cr.
Goal SIP Calculator India 2026 — Monthly SIP for Your Target
Use our reverse SIP calculator to find exactly how much you need to invest each month to hit a specific financial goal. Enter your target corpus, expected rate of return, and time horizon — the calculator instantly tells you the required monthly SIP amount.
What is a Goal-Based SIP?
A goal-based SIP (Systematic Investment Plan) works backwards from your target. Instead of calculating how much a fixed monthly investment will grow to, it answers the question: “how much must I invest every month to accumulate a specific amount in a given number of years?” This reverse approach is ideal for planning major financial milestones like retirement, your child's education, buying a house, or building an emergency fund.
The formula used is the reverse of the standard SIP future value formula:
Monthly SIP = Target ÷ [ ((1+r)^n − 1) / r × (1+r) ] r = Monthly rate (Annual rate ÷ 12 ÷ 100) n = Total months (Years × 12)
For example, to accumulate ₹1 crore in 15 years at 12% p.a., you need to invest approximately ₹2,002/month — much less than most people expect, thanks to the power of compounding.
How to Use the Reverse SIP Calculator
- Set your target amount — use the slider, type the value directly, or click one of the quick preset buttons (₹25L, ₹50L, ₹1Cr, ₹2Cr, ₹5Cr).
- Choose your expected return — equity mutual funds have historically delivered 10–14% p.a. over long periods. Use a conservative estimate like 10–12% for planning purposes.
- Set your investment horizon — the number of years you have to invest. Longer horizons dramatically reduce the required monthly SIP due to compounding.
- The result panel instantly shows your required monthly SIP, total amount invested, total returns, and a comparison with FD returns at 7%.
Common Financial Goals and SIP Amounts
Here are illustrative required monthly SIP amounts at 12% p.a. for popular financial goals in India:
| Goal | Target | 10 Years | 15 Years | 20 Years |
|---|---|---|---|---|
| Child's Education | ₹25 L | ₹11,501 | ₹5,004 | ₹2,501 |
| Down Payment (Home) | ₹50 L | ₹23,003 | ₹10,009 | ₹5,002 |
| Retirement Corpus | ₹1 Cr | ₹46,007 | ₹20,017 | ₹10,004 |
| Retirement Corpus | ₹2 Cr | ₹92,014 | ₹40,034 | ₹20,009 |
| Wealth / FIRE | ₹5 Cr | ₹2,30,035 | ₹1,00,085 | ₹50,022 |
* Indicative figures at 12% p.a. compounded monthly. Actual mutual fund returns vary.
Frequently Asked Questions
Q: How much SIP do I need for ₹1 crore?
A: The monthly SIP required to accumulate ₹1 crore depends entirely on your time horizon and expected return. At 12% p.a., you need approximately ₹46,007/month for 10 years, ₹20,017/month for 15 years, or just ₹10,004/month for 20 years. This shows how powerfully time works in your favour — starting even 5 years earlier can halve your required monthly investment. Use the calculator above to get the precise number for your situation.
Q: Why does starting early make such a big difference in goal-based SIP?
A: Compound interest is exponential, not linear. In the early years, your corpus grows slowly. But in the later years, the returns on your returns become the dominant driver of wealth. For a ₹1 crore goal at 12% p.a., starting at age 25 (35-year horizon) requires just ₹2,861/month, whereas starting at age 40 (20-year horizon) requires ₹10,004/month — nearly 3.5 times more per month for the same outcome. Every year of delay increases the required SIP significantly.
Q: What return rate should I use in the goal SIP calculator?
A: For equity mutual funds (large-cap, flexi-cap, index funds), a conservative planning assumption is 10–12% p.a. Historical long-term returns of Nifty 50 index are around 12–14% p.a., but markets are volatile and past performance does not guarantee future results. For debt funds or hybrid funds, use 6–8% p.a. Always plan with a slightly conservative estimate and review your SIP annually — if markets deliver more, you reach your goal early; if less, you can top up.
Q: Is SIP better than a lump sum investment for reaching a financial goal?
A: Both have merit. SIP is ideal for salaried individuals who receive income monthly — it automates investing, enforces discipline, and benefits from rupee-cost averaging (buying more units when markets are low, fewer when high). A lump sum investment is better if you receive a windfall (bonus, inheritance, asset sale) and markets are available at attractive valuations. In practice, most Indians use a combination: a regular SIP for monthly income plus occasional lump sum top-ups. Our calculator shows the required monthly SIP; if you can make a lump sum contribution, your required monthly SIP will be lower.
Last updated: June 2026 · Based on standard SIP future value formula · For informational purposes only.