🎯 Goal SIP Planner
Works backwards from a target: enter the corpus you want (say ₹1 crore for retirement or a child's education), the years available and an expected return — get the exact monthly SIP required, plus what you'll actually invest vs earn.
Rules & rates verified 8 July 2026
Inputs
Results
⚠️ Educational use only. Results are close estimates based on the latest published rules and standard conventions — actual figures can differ with rounding, fees, exact dates and future rate/rule changes. This is not investment, tax or legal advice; consult a SEBI-registered adviser or CA.
How it's calculated
P = Target × i ÷ (((1 + i)ⁿ − 1) × (1 + i)) — the SIP formula solved for the instalment. Optionally the target is first inflated: Target × (1 + inflation)^years.
Frequently asked questions
How much SIP is needed for ₹1 crore in 15 years?
At 12% expected return, about ₹20,000 a month. At 10%, about ₹24,000. Enter your own horizon and return above for the exact figure.
Should I adjust the target for inflation?
Yes for far-away goals — ₹1 crore twenty years from now buys far less than today. Switch on the inflation option to target the future cost instead.
