Goal SIP Calculator
Calculate exactly how much you need to invest monthly to achieve your financial goals. Our Goal SIP Calculator helps you plan for education, home purchase, retirement, and any other financial target.
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How to Use This Calculator
Understanding Goal-Based SIP
The Goal SIP Calculator takes a reverse approach to traditional SIP calculators. Instead of seeing how much a fixed SIP will grow, you start with your target amount and calculate the monthly investment needed to reach it.
Goal-based investing is psychologically powerful because it ties your investments to meaningful objectives. Whether it's your child's education, a dream vacation, buying a home, or retirement, having specific goals keeps you motivated and disciplined.
The calculation considers your target amount, time horizon, and expected returns. If you need ₹50 lakhs in 15 years and expect 12% returns, the calculator tells you exactly how much to invest monthly to reach that goal.
Inflation adjustment is crucial for long-term goals. If your child's education costs ₹20 lakhs today, at 6% inflation it will cost ₹48 lakhs in 15 years. Our calculator can automatically adjust your goal amount for inflation.
For larger goals, consider step-up SIP where you increase your investment annually. Starting with a smaller amount that grows with your income makes large goals achievable without straining your current budget.