How does a goal SIP calculator work?

It reverses the usual SIP maths. You give it the target amount, the time frame and an expected return, and it solves for the monthly SIP that grows to exactly that target.

What if the required SIP is more than I can afford?

You have three levers: give yourself more time, aim for a slightly higher (but realistic) return, or lower the goal. Even adding a few years reduces the monthly amount noticeably.

Should I use a step-up SIP to reach a big goal?

Often yes. If a flat SIP is too high today, a rising step-up SIP can start lower and still reach the goal. See our Step-up SIP Calculator.

What return should I assume for goal planning?

Be conservative so you are not caught short — many planners use around 10–12% for equity-heavy goals. A lower assumption means a slightly higher SIP but a safer plan.

Goal SIP Calculator - SWP Toolkit

A goal SIP calculator works backwards from your target. You enter the amount you want, the years you have, and an expected return, and it calculates the monthly SIP required to get there — along with how much of the goal is your money versus returns.

How is the required SIP calculated?

Instead of asking “how much will my SIP grow to,” a goal calculator asks “what SIP reaches this number.” It uses the future-value-of-a-SIP formula and solves it for the monthly amount, so the corpus lands on your goal at the end of the period.

Using it for real goals

Pick any target — a ₹1 crore retirement fund, a ₹25 lakh home down-payment, or a child’s education. Set the years you have and a realistic return, and the tool tells you exactly what to invest each month. Start earlier and the required SIP drops sharply, because compounding does more of the work.

💡 Worked example

Want ₹1 crore in 15 years at an assumed 12% return? You would need to invest about ₹19,800 a month — roughly ₹35.7 lakh of your own money, with the rest coming from compounding.

Goal SIP Calculator

How is the required SIP calculated?

Using it for real goals

💡 Worked example

Goal SIP questions

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