SIP Goal Calculator — Reverse-Calculate Monthly SIP Needed — FY 2026-27
Reverse-calculate the monthly SIP needed to hit any target corpus — ₹50 L for child education, ₹2 crore for retirement, ₹25 L for a house down payment. Our calculator shows the SIP amount, and you can tune horizon (years) + expected return to balance affordability with risk. The earlier you start, the smaller the SIP needed (power of compounding).
SIP inputs
- Final corpus
- ₹85.98 L
- Total invested
- ₹38.13 L
- Total returns
- ₹47.85 L
- CAGR
- 5.57%
Year-by-year build-up
| Year | Invested this year | Cumulative invested | Year-end corpus | Returns to date |
|---|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| Year 2 | ₹1,32,000 | ₹2,52,000 | ₹2,82,417 | ₹30,417 |
| Year 3 | ₹1,45,200 | ₹3,97,200 | ₹4,71,693 | ₹74,493 |
| Year 4 | ₹1,59,720 | ₹5,56,920 | ₹7,00,320 | ₹1,43,400 |
| Year 5 | ₹1,75,692 | ₹7,32,612 | ₹9,74,822 | ₹2,42,210 |
| Year 6 | ₹1,93,261 | ₹9,25,873 | ₹13,02,707 | ₹3,76,834 |
| Year 7 | ₹2,12,587 | ₹11,38,461 | ₹16,92,601 | ₹5,54,141 |
| Year 8 | ₹2,33,846 | ₹13,72,307 | ₹21,54,411 | ₹7,82,105 |
| Year 9 | ₹2,57,231 | ₹16,29,537 | ₹26,99,505 | ₹10,69,968 |
| Year 10 | ₹2,82,954 | ₹19,12,491 | ₹33,40,917 | ₹14,28,426 |
| Year 11 | ₹3,11,249 | ₹22,23,740 | ₹40,93,580 | ₹18,69,840 |
| Year 12 | ₹3,42,374 | ₹25,66,114 | ₹49,74,596 | ₹24,08,481 |
| Year 13 | ₹3,76,611 | ₹29,42,725 | ₹60,03,530 | ₹30,60,805 |
| Year 14 | ₹4,14,273 | ₹33,56,998 | ₹72,02,762 | ₹38,45,764 |
| Year 15 | ₹4,55,700 | ₹38,12,698 | ₹85,97,871 | ₹47,85,173 |
SIP Goal Calculator — Reverse-Calculate Monthly SIP Needed — FAQ
How do I calculate SIP for a specific goal?
Use this formula: Monthly SIP = Target × r / ((1 + r/12)^n − 1), where r = annual return/12, n = months. For ₹50 L in 15 years at 12%: SIP ≈ ₹10,000/month. For the same in 10 years: SIP ≈ ₹21,700/month. Horizon matters dramatically — doubling the tenure usually halves the SIP amount needed.
How much SIP for ₹1 crore in 20 years?
At 12% annual return over 20 years, SIP needed = ₹10,020/month. At 10% (conservative): ₹13,170. At 14% (aggressive): ₹7,650. For 30-year horizon at 12%: just ₹2,830/month. This illustrates why starting SIPs early (age 25 vs 35) makes a 3× difference in required monthly contribution.
How much SIP for child's higher education?
Typical corpus needed: ₹50-80 L for Indian undergraduate (tier-1 private), ₹1.5-3 crore for US/UK master's (depending on duration + inflation). For ₹1 crore in 18 years (when newborn turns 18) at 12%: SIP ≈ ₹12,660/month. Inflation-adjusted: factor 6% education-inflation = plan for ₹2.5 crore nominal = SIP ₹32K/month.
Should I do separate SIPs for each goal?
Yes, for clarity and fund selection. Each goal has different horizon + risk appetite: (a) Retirement 20+ years → 70% equity + 30% debt SIP. (b) Child education 15 years → 60% equity + 40% debt. (c) House down payment 5 years → 30% equity + 70% debt (short horizon = volatility risk). Separate SIPs let you manage each independently.
What return assumption should I use for SIP goal planning?
For long-horizon (10+ years): 11-13% for diversified equity. 9-11% for balanced hybrid. 7-9% for debt-heavy allocations. 8% for PPF-equivalent "safe". Don't assume 15%+ for planning — most funds don't sustain that over 15+ year windows. Underestimate returns → plan for smaller SIP early and adjust up as you get closer.
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