Goal SIP Calculator
Set a target, a date, and what you already have. See the SIP you need, how hard it is on your income, and a simple path to the goal.
What are you saving for?
Pick a goal. We will size the SIP to land on time.
1. Goal
Target and date
Priority
Nice to have
2. Money in hand
What can you put in now?
3. Plan
How will you invest?
Dynamic inflation
Slows after the first few years
Stress check
Show lag and high-inflation cases
Net return after expenses
11.00%
4. Verdict
What you need to start
Monthly SIP
₹12,884
For 8 years, landing at ₹31,87,696
Of income
12.9%
Fit
Comfortable
Future goal
₹31,87,696
Today: ₹20,00,000
Gap to fund
₹27,26,789
Total you put in
₹20,47,659
Growth ₹11,40,037
Horizon
8 yrs
96 months
Path to the goal
What would help
Putting in an extra ₹1 lakh today cuts the SIP you need by ₹1,089.
A 12% yearly step-up can lower lifetime contributions versus a flat SIP.
This wealth creation plan is a comfortable share of your income.
Strongest lever
Raise the yearly step-up
A higher step-up usually beats a bigger starting SIP.
Add ₹1L lumpsum
Cuts the SIP you need by about ₹1,933.
If things go worse
Returns 3% lower
₹14,350
New monthly sip
Inflation 2% higher
₹15,313
New monthly sip
Simple roadmap
This month
Start ₹12,884 monthly
Set a NACH mandate so it runs on its own.
Year 1
Raise the SIP
Step up to about ₹14,172.
Year 3
Rebalance
Check if equity and debt still match the remaining time.
Goal year
Move to safer money
Shift toward debt before you spend the corpus.
This is a planning estimate, not advice. Actual returns, inflation, and taxes will differ.