SIP Goal Planner — Required Monthly Investment
Work backwards from a target corpus to the monthly SIP it demands, with inflation-adjusted target option.
Formula
Disclaimer: Assumes a constant annual return — real market returns vary year to year, and mutual-fund investments are subject to market risk. Educational math only, not investment advice.
Need sip goal planner results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About SIP Goal Planner — Required Monthly Investment
Most SIP calculators answer 'what will my money become?' — this one answers the planning question that actually matters: 'what does my goal demand?' The default solves the iconic Indian target: ₹1 crore in 15 years at 12% needs about ₹20,000 a month — of which you contribute ~₹36 lakh and compounding manufactures the remaining ~₹64 lakh. The inflation toggle separates serious plans from numerology: ₹1 crore in 15 years buys what ~₹42 lakh buys today (at 6% inflation). Set the inflation input to chase the FUTURE cost of your goal — child's education, house, retirement — and watch the required SIP rise to its honest level. Planning to today's number and discovering the shortfall in year 14 is the classic goal-planning failure. Sanity-check the output against your savings capacity: if the required SIP exceeds ~30–40% of take-home, the goal needs surgery — more years, a step-up structure (start lower, escalate 10% annually — it reaches the same place), or a trimmed target. The point of working backwards is to have that conversation NOW, while the answer is still adjustable.
How to use SIP Goal Planner — Required Monthly Investment
- 1Enter Target corpus (today's value), Time to goal (years), Expected annual return (%), Inflate target by (%/yr) into the SIP Goal Planner.
- 2The result is computed automatically using Required SIP = target ÷ FV(₹1 monthly) ; FV(₹1) = ((1+i)^n − 1)/i × (1+i) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use SIP Goal Planner — Required Monthly Investment?
- ✓Computes sip goal planner instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
1 crore ke liye kitni SIP chahiye?+
Horizon decide karta hai: 12% par — 10 saal: ~₹43,500/mo; 15 saal: ~₹20,000/mo; 20 saal: ~₹10,100/mo; 25 saal: ~₹5,400/mo. Har 5 extra saal required SIP ko lagbhag aadha kar dete hain. Yahi compounding ki asli price-list hai — time sasta hai, deri mehngi.
Inflation input on karna zaroori hai kya?+
Goal REAL ho to haan: bachche ki education 15 saal baad aaj ke ₹50 lakh nahi, ~₹1.2 crore (6% education inflation par usse bhi zyada) maangegi. Sirf 'number achieve karna hai' wale abstract goals ke liye 0 rakh sakte hain. Retirement aur education ke liye 5–6% minimum imaandaari hai.
Required SIP afford nahi ho rahi — kya karein?+
Order me: (1) step-up structure — aadhi SIP se shuru karke 10–12% yearly badhaiye, defaults par yeh bhi pahunch jaati hai; (2) horizon 2–5 saal badhaiye — requirement tezi se girti hai; (3) target trim kijiye. Jo na karein: 15%+ return assume karke calculator ko khush karna — woh plan nahi, prarthana hai.
Should I use 12% or something safer for goal planning?+
For goals 10+ years out in equity funds, 11–12% is a defensible planning midpoint; for 5–7 year goals lean hybrid and assume 9–10%; under 5 years, debt instruments and 6–7%. Re-plan annually: if returns ran hot, your required SIP drops — bank the surplus rather than raising the target.
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