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Goal SIP calculator
Start from the amount you need and the date you need it. The calculator returns the monthly investment that gets you there.
How it works
This is the SIP formula solved for the instalment instead of the final value:
P = Target × i ÷ [((1 + i)^n − 1) × (1 + i)]
For ₹25,00,000 in 10 years at 12% a year, the answer is about ₹10,760 a month. You contribute roughly ₹12.9 lakh and growth supplies the rest.
Set the target in future rupees
A goal priced today will cost more by the time you reach it. A ₹20 lakh course fee rising 8% a year becomes about ₹43 lakh in ten years. Inflate the cost first with the inflation calculator, then enter that figure here. As the deadline approaches, move the money gradually from equity to safer instruments so a late market fall cannot derail the goal.
Questions
What if the SIP is more than I can afford?
Three levers help: extend the deadline, start lower and step up each year, or add a lump sum now. Lowering the return assumption to make the maths look easier is the one lever to avoid.
Which goals suit a SIP?
Goals five or more years away suit equity SIPs. For goals under three years, recurring deposits or debt funds are steadier.