SIP Monthly Installment Calculator
Find the monthly SIP needed to reach your target corpus
Details
Enter your target corpus and click Calculate
Required Monthly SIP
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Invest this amount monthly to reach your target corpus
How to Use
- Enter your Target Corpus — how much you want to accumulate (e.g. ₹50,00,000 for retirement).
- Enter the Expected Annual Return of the mutual fund (10–12% for equity is a common estimate).
- Enter the Investment Period in years.
- Click Calculate — the monthly SIP required is shown instantly.
Reverse SIP Planning
This calculator works backwards: you set a financial goal and it tells you exactly how much to invest monthly. This is the foundation of goal-based investing — the recommended approach by every certified financial planner.
Common Financial Goals
- Retirement corpus: ₹2–5 crore for a comfortable retirement. Start at 30, you need far less per month than starting at 40.
- Child's education: IIT/IIM fees are projected at ₹25–50 lakh by 2035. Plan now with a SIP.
- Home down payment: 20% of a ₹60 lakh flat = ₹12 lakh in 3–5 years.
- Dream vehicle / vacation: Short-term goals work better with debt fund SIPs (lower risk).
Start Early — The Difference is Massive
To reach ₹1 crore by age 60: starting at 25 needs ~₹2,000/month (at 12%). Starting at 35 needs ~₹6,500/month. Starting at 45 needs ~₹22,000/month. Time in the market is your greatest asset.