Find out how much monthly SIP you need to invest to reach your financial goal. Works backwards from your target to give you the exact monthly investment amount.
Choose how much you want to accumulate
Start with an initial investment (can be ₹0)
Increase SIP amount by this % each year
Goal-based investing is a powerful approach where you link each investment to a specific life goal — buying a house, children's education, retirement, or wealth creation. Instead of investing randomly and hoping for the best, you calculate exactly how much you need to invest to reach your goal.
The monthly SIP amount is calculated using the Future Value of Annuity formula: PMT = FV × r / ((1+r)ⁿ − 1) / (1+r) where FV is your target, r is the monthly return rate, and n is the number of months.
To reach ₹1 crore: at 12% returns, a 10-year SIP requires ₹43,000/month, but a 20-year SIP only requires ₹10,000/month — less than a quarter! This demonstrates why starting early is the single most important factor in wealth creation. Even a 5-year head start dramatically reduces your required monthly investment.
For long-term goals (10+ years): Nifty 50 index funds or flexi-cap funds. For medium-term goals (5-10 years): balanced advantage funds or large-cap funds. For short-term goals (under 5 years): debt funds or hybrid conservative funds. Always diversify across at least 2-3 funds.