Goal / Retirement Planner
How much to invest monthly to hit a target.
₹1,00,00,000
15 years
12% p.a.
₹0
You need to invest monthly
₹19,819
- Target corpus
- ₹1,00,00,000
- Total SIP invested
- ₹35,67,352
- Estimated growth
- ₹64,32,648
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The monthly figure rests on an assumed return, and inflation quietly erodes the real value of your target — neither is guaranteed. Use it to set a direction and revisit it as things change; it's planning, not investment advice. Read our full disclaimer.
About this tool
Most calculators ask what a monthly investment grows into; this one works the other way. You tell it the corpus you want and when you want it, and it works backwards to the monthly SIP required — the inverse of the SIP formula. If you already have some savings, it grows those for the term and reduces the monthly amount accordingly. Useful for retirement, a house down payment, a child's education, or any dated money goal.
Example
To reach ₹1 crore in 15 years at 12% p.a. from scratch, you'd invest about ₹20,000 a month. Start with ₹10 lakh already saved and the monthly figure drops noticeably.
How to use
- 1Enter your target corpus — the amount you want to end up with.
- 2Set how many years you have to reach it.
- 3Set the annual return you expect (a long-term equity SIP is often modelled around 10–12%).
- 4Optionally add savings you already have; read the monthly SIP you need.
Features
- Works backwards from your target to the monthly SIP it takes.
- Counts savings you already have, growing them for the term too.
- Separates what you contribute from what the market adds.
Frequently asked questions
How is the required monthly SIP calculated?
It inverts the standard SIP future-value formula: it finds the monthly amount P such that P invested at the start of each month, plus any existing savings grown for the term, compounds to your target corpus at the expected return.
Are the returns guaranteed?
No. The expected return is an assumption you choose. Actual market returns vary year to year, so treat the required SIP as a planning estimate and review it periodically.
Is this financial advice?
No — it's a planning estimate, not advice. The required SIP rests on an assumed return, so revisit it as your goals and the markets change. See our Disclaimer.
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