Find the monthly SIP needed to reach your target corpus — or project corpus from your current SIP. Reverse and forward modes with inflation adjustment.
I want to
Expected inflation / year
Required monthly SIP
₹9,909
Total invested
₹17,83,676
After maturity
₹50,00,000
Goal SIP planning answers: "How much must I invest each month to reach ₹X in Y years?" Reverse mode uses the same formula as SEBI-regulated mutual fund goal planners — inverted from the standard SIP future-value equation.
Illustrative only. Read scheme-related documents. Not investment advice.
Last updated: 19 August 2026. Mutual fund returns are market-linked — verify scheme documents on AMFI/AMC websites.
A Goal SIP calculator answers the most common planning question: "How much must I invest every month to reach ₹X in Y years?" It reverse-solves the standard SIP future-value formula used by SEBI-regulated mutual fund houses — the same maths as our SIP calculator goal mode, presented as a dedicated goal-planning page.
P = Goal ÷ ([((1+i)n − 1) / i] × (1+i))
P = monthly SIP, i = monthly return rate, n = months. Forward mode uses the same formula to project corpus from a given monthly investment.
Example: ₹50 lakh target, 12% return, 15 years → required SIP ≈ ₹10,000/month (illustrative).
| Feature | Goal SIP | Flat SIP | Lumpsum |
|---|---|---|---|
| Primary question | How much to invest monthly to reach ₹X? | How much will ₹P/month grow to? | How much will a one-time ₹P grow to? |
| Best for | Education, marriage, down payment targets | General wealth building from salary | Bonus or inheritance deployment |
| SEBI note | Illustrative — not guaranteed returns | Market-linked mutual fund units | Full market exposure from day one |
Investors with a fixed future need — education fees, wedding, home down payment or retirement corpus — who want a clear monthly savings number before starting a mutual fund SIP mandate.
The calculator inverts the standard SIP future-value formula: P = Goal ÷ ([((1+i)^n − 1) / i] × (1+i)), where P is monthly SIP, i is monthly return and n is months. This is the same formula used by SEBI-regulated mutual fund goal planners.
Yes. Switch to 'Know my corpus' mode, enter your monthly SIP, return assumption and years. Compare the projected corpus with your goal amount.
Equity mutual funds have historically shown wide ranges. Many planners use 10–12% for long-term equity SIP illustrations and lower for debt-heavy goals. Past performance is not indicative of future returns.
This dedicated goal calculator uses a flat monthly SIP (no annual step-up) so the required amount is unambiguous. Use the main SIP calculator for step-up projections.
Optional inflation shows the real purchasing power of your projected corpus in today's rupees — useful when your goal amount is stated in current terms but you want to sanity-check future value.
No. Mutual fund SIPs are subject to market risks. Read scheme-related documents carefully. This tool is illustrative, not investment advice.
Enter ₹1 crore as the goal, your expected return and years until the target date. The Goal SIP calculator reverse-solves the flat monthly SIP needed. For step-up SIPs, compare with the Step-Up SIP calculator.
Use Goal SIP when you know the target corpus and need the monthly instalment. Use the regular SIP calculator when you know the monthly amount and want projected maturity, step-up or inflation scenarios.
Enter goal ₹1 crore, tenure 15 years and an expected return (many use ~10–12% for long equity illustrations). The tool solves the flat monthly SIP required. Actual MF returns are not guaranteed.
Put ₹30 lakh as the goal (or inflate today’s fee to the college year first), set 12 years and a suitable return assumption. Use inflation adjustment if you entered today’s cost. Planning estimate only.
Disclaimer: Illustrative projections only. Mutual fund investments are subject to market risks. Not investment advice.
Mutual fund SIP maturity with monthly compounding.
SIP maturity with annual increases in monthly investment.
Estimate SIP or lumpsum growth, reverse-solve for a goal, or calculate absolute return, CAGR and XIRR.
Plan multiple goals with inflation-adjusted targets and SIP needs.
Timeline view of goals with future costs and monthly SIP.
Corpus difference when annual return changes by one percentage point.
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