SIP goal calculator.
Work backwards from a target to the monthly investment needed.
SIP goal inputs
Solves a constant effective annual return model with end-of-month contributions. Step-up begins in year two. If the existing lump sum already reaches the goal, required SIP is zero. Returns are uncertain; taxes and fees are excluded.
View detailed breakdown
| Year | Balance | Invested |
|---|---|---|
| 0 | ₹0.00 | ₹0.00 |
| 1 | ₹3,13,726.97 | ₹3,00,204.35 |
| 2 | ₹6,58,826.65 | ₹6,00,408.71 |
| 3 | ₹10,38,436.29 | ₹9,00,613.06 |
| 4 | ₹14,56,006.89 | ₹12,00,817.42 |
| 5 | ₹19,15,334.55 | ₹15,01,021.77 |
| 6 | ₹24,20,594.98 | ₹18,01,226.12 |
| 7 | ₹29,76,381.45 | ₹21,01,430.48 |
| 8 | ₹35,87,746.57 | ₹24,01,634.83 |
| 9 | ₹42,60,248.21 | ₹27,01,839.19 |
| 10 | ₹50,00,000.00 | ₹30,02,043.54 |
How this sip goal calculator works
The required starting SIP is the gap between the target and projected lump-sum value, divided by the future-value factor of one unit of monthly investment. Annual step-up changes that factor. The annual return is effective and converted to a monthly equivalent.
A worked example
To accumulate 1,200,000 in ten years at zero return with no starting balance or step-up, invest 10,000 each month. A higher assumed return reduces the estimate but does not make the outcome certain.
Does this include a lump sum and annual increases?
Yes. The starting balance grows for the whole period, and the monthly contribution increases at the start of each year after year one. If the lump sum alone meets the target, the required SIP is zero.
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