Goal planner
How much should you invest every month?
Pick a goal, say when you need the money, and set your own assumptions. We work out the monthly SIP it would take — and show how much of the final amount comes from your pocket versus growth.
How this calculation works
Your goal is first restated in future rupees. A ₹50 lakh goal ten years out, with inflation assumed at 6%, becomes roughly ₹89.5 lakh — that is what you actually have to accumulate.
Anything you have already saved is grown forward at the same assumed rate and subtracted, because it is working for the goal too. Whatever gap remains has to come from your monthly investment.
That monthly amount is then solved so the contributions and their assumed growth land exactly on the target. Each instalment is treated as invested at the start of the month, the way a real SIP mandate debits, and the monthly rate is taken as your annual assumption divided by twelve — the convention Indian SIP calculators use, so the numbers are comparable to ones you have seen elsewhere.
What this calculator does not do
It assumes a steady return, and real markets do not deliver one — they deliver good years and bad ones in an order nobody can predict, which matters a great deal near the end of a goal. It ignores taxes on redemption, exit loads, and fund expenses, all of which reduce what you actually receive. And it says nothing about which scheme to choose or whether a goal suits your situation.
The honest way to use it is as a sense of scale — whether a goal needs ₹5,000 a month or ₹50,000 — rather than a precise plan.
Starting from an amount instead
This page starts from a goal and tells you the monthly amount. If you would rather start from what you can afford and see where it gets you, the SIP calculator runs the same maths forwards.
Frequently asked questions
- How much should I invest every month to reach my goal?
- It depends on four things: how much you need, how long you have, what return you assume, and how much you have already saved. The calculator solves for the monthly amount given those inputs. Because the return is an assumption you choose rather than something anyone can promise, treat the result as a starting point and revisit it as your income and markets change.
- What return should I assume?
- There is no correct answer, which is why the calculator makes you pick. Equity as an asset class has historically been more volatile with higher long-run returns, while debt has been steadier with lower ones — but past patterns are not a forecast, and any given decade can look very different from the average. Many people run the numbers two or three times at different rates to see how sensitive their plan is.
- Why does the target amount grow when I add inflation?
- Because a goal priced in today's rupees will cost more by the time you reach it. If a course costs ₹10 lakh today and prices rise 6% a year, the same course costs about ₹17.9 lakh in ten years. Planning against today's price quietly under-saves you. Set inflation to zero if you would rather plan in today's rupees.
- What is a step-up SIP?
- A step-up SIP increases your monthly contribution by a set percentage each year, usually to track rising income. Because later contributions are larger, you can start with a smaller amount than a flat SIP would need for the same goal — but you have to keep raising it. The calculator shows both the starting amount and what it grows to in the final year.
- Is this investment advice?
- No. This is a calculator: it does arithmetic on the assumptions you enter. It does not recommend any scheme, predict returns, or account for your personal circumstances, taxes or risk tolerance. For personalised advice, speak to a SEBI-Registered Investment Adviser.