Goal Planner (Reverse SIP)
Know your goal amount? Find exactly how much to invest monthly via SIP.
Frequently Asked Questions
What is a Goal-based SIP?
A goal-based SIP works backwards: you enter how much you need and when, and the calculator tells you how much you must invest each month to reach that goal.
Why should I account for inflation in goal planning?
A goal of ₹50 Lakhs today will cost significantly more in 10 years due to inflation. At 6% inflation, ₹50L today becomes ~₹89L in 10 years. Always plan for the future cost.
What return rate should I use for SIP?
Equity ELSS/Flexi-cap funds: 11-13% historical. Large-cap funds: 10-12%. Balanced/hybrid: 8-10%. Use conservative estimates (10-11%) to avoid under-saving.
Can I use this for retirement planning?
Yes. Enter your retirement corpus target (consider our FIRE calculator to estimate this), the years to retirement, and the expected return to find your required monthly SIP.
What is Step-up SIP and how does it help goal planning?
Step-up SIP increases your monthly investment by a fixed % each year (e.g., 10% per year). This significantly reduces the initial required SIP while still reaching the same goal. See our SIP Calculator for step-up mode.
How many goals can I plan for?
Use this calculator multiple times for each financial goal (children's education, home down payment, retirement, etc.) and sum up the required monthly SIPs to get your total investment commitment.