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Goal-Based Financial Planning

Target SIP Calculator

Set your dream milestone—buying a home, higher education, or early retirement. Calculate the exact monthly SIP required to hit your target corpus.

₹
Yrs
%
Required Monthly SIP

₹21,520

Invest every month for 10 years
With 10% Annual Step-Up

₹13,200

/ month initial

Start lower and increase annually

Total Out-of-Pocket

₹25.82 Lakhs

Capital Gains

₹24.18 Lakhs

Popular Milestone Calculators

Explore ready-to-use goal blueprints with complete multi-rate return tables:

₹25 Lakh in 5 Years →₹50 Lakh in 5 Years →₹50 Lakh in 10 Years →₹1 Crore in 5 Years →₹1 Crore in 10 Years (Popular) →₹1 Crore in 15 Years →₹2 Crore in 10 Years →₹2 Crore in 15 Years →₹5 Crore in 20 Years →

Frequently Asked Questions

What is a Target SIP Calculator?

A Target SIP Calculator is a reverse-planning financial tool. Instead of calculating how much your monthly savings will grow to in the future, you specify your desired financial goal (e.g. ₹50 Lakhs for a home down payment or ₹1 Crore for retirement), and the tool calculates the exact monthly SIP amount you need to commit.

How does inflation affect my target financial goal?

If your goal requires ₹50 Lakhs today in current purchasing terms, and your goal is 10 years away, an average 6% inflation rate means you will actually need about ₹89.5 Lakhs in 10 years to purchase the exact same asset. Accounting for inflation ensures you don't fall short.

What if the required monthly SIP is too high for my current salary?

Start with what you can afford today and commit to an annual 10% Step-Up SIP. Increasing your monthly SIP every year alongside your salary increments lowers your initial capital requirement by 35% to 50% while still reaching your full target corpus on time.