Find the monthly SIP needed to reach your target corpus
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Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Enter your Target corpus, the amount you want to build up (say ₹50,00,000 for retirement).
- Enter the Expected annual return of the mutual fund. For equity, 10–12% is a common estimate.
- Enter the Investment duration in years.
- The Required monthly SIP changes as you type, along with the total you invest and the estimated returns. Save it with pdf or share it.
Planning a SIP backwards
This SIP installment calculator works in reverse. You set the amount you want to reach, and it tells you how much to invest each month to get there. That's the idea behind goal-based investing, the approach most financial planners recommend.
Common financial goals
- Retirement corpus: ₹2–5 crore for a comfortable retirement. If you start at 30, you need far less each month than if you start at 40.
- Child's education: IIT/IIM fees are projected at ₹25–50 lakh by 2035, so a SIP started now gives you time.
- Home down payment: 20% of a ₹60 lakh flat is ₹12 lakh, needed in 3–5 years.
- A car or a big holiday: for short-term goals like these, debt fund SIPs are a better fit because the risk is lower.
Why starting early matters so much
Say you want ₹1 crore by age 60 and expect 12% a year. Start at 25 and you need about ₹1,540 a month. Start at 35 and it's about ₹5,270. Start at 45 and it jumps to about ₹19,800 a month. The years you give the money to grow do most of the work.