Goal Planning
· Last reviewed July 2026Goal SIP Calculator
Find the exact monthly SIP needed to reach your financial goal — child's education, home down payment, or retirement corpus. Free reverse SIP calculator India with sensitivity analysis.
Required Monthly SIP
₹19,819
To reach ₹1 Cr in 15 years
Total You Invest
₹35.7 Lac
Returns Generated
₹64.3 Lac
Required SIP at Different Returns
Get this calculated on your actual portfolio
Track your goal progress in real time — the FundSageAI dashboard maps your actual SIPs to your goals and shows if you're on track.
What is Goal SIP Calculator?
The Goal SIP Calculator is a reverse SIP calculator — instead of asking 'how much will my SIP grow to?', it answers 'how much should I invest monthly to reach a specific target corpus?'. This is the most practical way to plan goal-based investing. Whether you want ₹50 lakh for your child's college in 15 years, ₹1 crore for a home down payment in 10 years, or ₹3 crore retirement corpus in 25 years — this tool computes the exact SIP required at your expected return rate. It also shows a sensitivity chart: what if returns are 8% instead of 12%? This helps stress-test your plan.
How to use this tool
Enter your Target Corpus — the final amount you want to accumulate (e.g., ₹1 crore).
Enter the number of Years to Goal — how many years you have to reach this target.
Enter Expected Return — typically 10–12% for equity mutual funds, 6–7% for hybrid, 5–6% for debt.
The calculator shows the required monthly SIP and a sensitivity chart showing SIP needed at different return rates.
The Formula
Required Monthly SIP = FV × r / ((1+r)^n - 1) / (1+r) Where: - FV = Target corpus (₹) - r = Monthly return rate (Annual Rate / 12 / 100) - n = Total months (Years × 12)
Key Terms
- Target Corpus
- The final lump sum amount you want to accumulate by the end of your investment period, used as the input for reverse SIP calculations.
- Reverse SIP Calculator
- A calculator that works backwards from a desired future value to compute the required monthly investment, given a return rate and time period.
- Goal-Based Investing
- An investment approach where each SIP is mapped to a specific financial goal (education, home, retirement) rather than generic wealth creation.
Key Benefits
- ✓Goal-first planning: start with the end number and work backwards to a monthly action.
- ✓Instantly see how much the required SIP drops if you extend the timeline by 2–3 years.
- ✓Sensitivity analysis shows how dependent your plan is on expected returns.
- ✓Helps prioritise which goals to fund first based on required monthly commitment.
Practical Example
Goal: ₹1 Crore Timeline: 15 years Expected Return: 12% p.a. Required Monthly SIP = ₹20,017 Total You Invest = ₹36.03 Lakh Returns Generated = ₹63.97 Lakh Starting 5 years earlier (20 years): Required SIP drops to ₹10,011 — almost half!
FundSageAI Dashboard
Do more with your real portfolio data
- 1Goal tracking with projected corpus vs target
- 2SIP alignment check per goal
- 3Alert if you fall behind your goal timeline
Related Reading
Common Questions
Frequently Asked Questions
You might also like
Free · No credit card · 2 min setup
These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.