SIP Goal Calculator
India 2026

A SIP Goal Calculator works in reverse — instead of telling you how much your SIP will grow, you enter your target amount (e.g., ₹1 crore) and the calculator tells you the monthly SIP needed to reach that goal. It factors in your time horizon, expected returns, inflation, and optional annual step-up to give you the exact monthly investment required.

At 12% expected return (Nifty 50 historical CAGR), you need approximately ₹20,100/month flat SIP to accumulate ₹1 crore in 15 years. With a 10% annual step-up, you can start at just ₹12,000/month. But ₹1 crore in 2041 is worth only ₹41 lakh in today's rupees at 6% inflation — so your real target should be ₹2.4 crore if you need ₹1 crore of purchasing power.

Because different goals have different inflation rates. General CPI inflation is 5-6%, but education costs inflate at 8-12% annually, medical expenses at 12-15%, and wedding costs at 8-10%. A calculator using 6% inflation for a child education goal will underestimate the required SIP by 40-60%. Our goal-specific presets fix this blind spot that every other calculator ignores.

A SIP Calculator answers: "If I invest ₹X/month for Y years, how much will I get?" A SIP Goal Calculator answers: "If I need ₹X in Y years, how much should I invest per month?" The SIP Calculator is forward-looking (corpus from SIP), the Goal Calculator is backward-looking (SIP from corpus). Use the Goal Calculator when you have a specific target like retirement corpus, child education, or home down payment.

Step-up SIP almost always. A 10% annual step-up reduces your starting SIP by 35-45% while reaching the same goal. Example: for ₹1 crore in 20 years at 12%, flat SIP = ₹10,100/month but step-up SIP starts at just ₹4,800/month (increasing 10% yearly). Step-up aligns with salary growth — most salaried Indians get 8-15% annual increments. The only exception: if your income is fixed or declining.

IIT B.Tech currently costs ₹10-12 lakh (fees + hostel). At 10% education inflation, this becomes ₹28-34 lakh in 12 years and ₹45-55 lakh in 15 years. Private MBBS currently costs ₹40-80 lakh; at 10% inflation, this becomes ₹1.1-2.3 crore in 12 years. For IIT in 15 years: ₹10,800/month flat SIP or ₹6,400/month with 10% step-up at 12% returns.

Multiply your current monthly expenses by 300-400x for a 25-30 year retirement. If you spend ₹50,000/month today, you need ₹1.5-2 crore in today's value, which is ₹4.8-6.4 crore in nominal terms if you retire in 20 years (at 6% inflation). ₹1 crore generates only ₹58,000/month at 7% returns, and inflation halves purchasing power every 12 years. Most Indians dramatically underestimate their retirement corpus need.

Because compounding is exponential, not linear. For ₹1 crore in 20 years: at 8% you need ₹16,700/month, at 12% you need ₹10,100/month, at 15% you need ₹7,100/month. A 3% difference in returns changes your monthly SIP by 30-40%. This is why fund selection matters — the difference between a 0.3% TER index fund and a 1.5% TER regular plan actively fund is not just 1.2% — it's lakhs in your goal shortfall.

Yes. Our calculator has an "existing corpus" field. If you already have ₹5 lakh saved, it reduces your required monthly SIP. The lumpsum grows independently at the same return rate. For example, ₹1 crore goal in 15 years at 12%: without lumpsum = ₹20,100/month SIP. With ₹5 lakh existing = ₹17,200/month SIP. The earlier savings compound for the full duration, doing heavy lifting.

The math is exact — the formula is correct for the inputs you provide. But the inputs are assumptions: you assume 12% returns, but actual Nifty 50 has ranged from 7% to 17% over different 15-year periods. The calculator shows a single-point estimate; real outcomes are a range. Use it for planning, not promises. We recommend calculating at 10% (conservative) and 14% (optimistic) to see the range of SIP amounts needed.

Yes — and almost nobody does. If you need ₹1 crore after tax, your pre-tax corpus must be higher. On ₹1 crore corpus with ₹25 lakh invested, gains = ₹75 lakh. LTCG tax = 12.5% on (₹75L - ₹1.25L) = ₹9.2 lakh + 4% cess = ₹9.6 lakh. So you actually need ₹1.096 crore pre-tax to get ₹1 crore post-tax. Our calculator shows this when you enable the tax toggle.

General expenses/retirement: 6% (CPI 10-year average). Child school education (K-12): 8-10%. Higher education (engineering/medical/MBA): 10-12%. Foreign education: 5-7% in foreign currency + 3-4% forex depreciation = 8-11% effective. Medical/healthcare: 12-15%. Wedding expenses: 8-10%. Real estate (metro): 6-8%. Using 6% flat for all goals is the biggest mistake in financial planning calculators.