Enter your financial goal amount, timeline and expected returns — we instantly calculate the exact monthly SIP needed to reach it.
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| Platform | MF Commission | Funds | Key Feature | Rating | |
|---|---|---|---|---|---|
GRW Groww TOP5 Cr+ investors | Free MF | 5,000+ | Simplest UI for beginners | ★★★★★ | Sign Up |
ZER Zerodha Coin FREE1.3 Cr active clients | Free | 2,200+ | India's largest broker | ★★★★★ | Sign Up |
AGN Angel One MF2 Cr+ users | Free MF | 4,000+ | Free demat + AI-led research | ★★★★☆ | Sign Up |
PYT Paytm Money1 Cr+ SIP accounts | Free MF | 4,500+ | Built-in goal planning | ★★★★☆ | Sign Up |
ETM ET Money50 L+ investors | Free MF | 3,000+ | Smart Deposit + tax-saver flows | ★★★★☆ | Sign Up |
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Find your target corpus in the left column and read across to your timeline. The pattern to notice: every 5 extra years roughly halves the required SIP — starting early is worth more than earning more.
| Goal Amount | 5 Years | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|
| ₹10 lakh | ₹12,124 | ₹4,348 | ₹1,995 | ₹1,004 | ₹527 |
| ₹25 lakh | ₹30,311 | ₹10,870 | ₹4,988 | ₹2,509 | ₹1,317 |
| ₹50 lakh | ₹60,621 | ₹21,741 | ₹9,976 | ₹5,019 | ₹2,634 |
| ₹1 crore | ₹1,21,243 | ₹43,481 | ₹19,952 | ₹10,037 | ₹5,269 |
| ₹2 crore | ₹2,42,486 | ₹86,963 | ₹39,904 | ₹20,073 | ₹10,538 |
| ₹5 crore | ₹6,06,214 | ₹2,17,407 | ₹99,760 | ₹50,183 | ₹26,344 |
Assumes 12% annual return (long-term diversified equity average), end-of-month SIP. For goals under 5 years, use debt funds and a 6-7% assumption instead — the required SIP will be higher but the corpus is protected from equity volatility near the goal date.
Child Education Goal (Rs 50L in 15 years): Required monthly SIP = Rs 10,500. Invest for 180 months, corpus grows to Rs 50L tax-free in education. Timeline: age 3 → age 18 (college ready). Can adjust upward in 5-year reviews as inflation hits ~6% per year.
Home Down Payment (Rs 40L in 10 years): Required monthly SIP = Rs 24,000. Invest for 120 months, corpus grows to Rs 40L (20% down payment for Rs 200L home). Timeline: age 35 → age 45 (peak earning years). Can use home loan for remaining 80%.
Retirement Corpus (Rs 300L in 25 years): Required monthly SIP = Rs 35,000. Invest continuously, corpus reaches Rs 300L for 25-year post-retirement spending (if you also draw interest). Timeline: age 25 → age 50 (full career). Actually builds Rs 450L+ with careful rebalancing in final 5 years.
Child Marriage Goal (Rs 20L in 18 years): Required monthly SIP = Rs 3,200. Invest early (start when child is 0-5 years), let compounding work. By year 18, Rs 20L accumulated for marriage expenses (venue, shopping, gifts). Inflation-adjusted: actual cost might be Rs 30-35L, so recommend Rs 200K upfront + Rs 3.2K SIP.
Inflation Impact Example: Child education today = Rs 40L (IIT/medical college 4-year fee + hostel). Inflation rate = 6% annually (education inflation is 1-2% above CPI). In 15 years, same education = Rs 98L (2.45x current cost). Most people use Rs 40L goal → falls short by Rs 58L. Solution: add 6% inflation to returns assumption. Instead of 12% assumed return, use 12% - 6% = 6% real return in calculator.
Home Inflation Example: Home price today = Rs 100L, need Rs 20L down payment (20%). In 10 years, home price = Rs 160L (5% annual appreciation), need Rs 32L down payment. Most people calculate for Rs 20L, run short by Rs 12L. Solution: assume home appreciation (5%) in your goal amount. Instead of Rs 20L goal, use Rs 32L.
Retirement Inflation Example: Today you spend Rs 50K/month. In 30 years at 5% inflation, same spending = Rs 215K/month. Most people calculate retirement corpus for today's spending = massively under-prepared. Solution: multiply current monthly spend × 300 (25-year lifespan × 12 months) × 1.5-2x (inflation buffer) = real retirement goal. Example: Rs 50K × 300 × 1.75 = Rs 2.6 crore.
<5 Years (Short-term Goal): Use Debt/Conservative funds or short-term debt funds. Expected returns = 5-6%. Higher volatility unacceptable. Example: car fund in 3 years → use liquid funds, max 2-3% risk. Monthly SIP in bank savings interest wouldn't be enough, debt fund SIP is optimal.
5-10 Years (Medium-term Goal): Use Balanced/Hybrid funds (60% equity, 40% debt). Expected returns = 9-10%. Balanced downside risk with growth potential. Example: home down payment in 8 years → 60% stock, 40% bond split smooths volatility while aiming for double-digit returns.
10-15 Years (Long-term Goal): Use Growth/Large-cap equity funds. Expected returns = 11-13%. Can absorb 40-50% volatility. Example: child education in 15 years → 100% equity SIP. Market volatility during tenure matters little compared to long compounding power.
15+ Years (Retirement): Use Growth funds for first 10 years (12%+ expected return), shift to balanced funds in years 11-15 (10% return), shift to debt in years 16+ (6-7% return, capital preservation). Glide path strategy: aggressive early, conservative late. Example: 30-year retirement planning = 100% equity until age 45, 50-50 until 50, 30-70 until retirement.
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At 12% expected return: for 10 years you need ₹43,471/month; for 15 years, ₹19,816/month; for 20 years, ₹10,011/month. Starting early dramatically reduces the monthly SIP required.
Required SIP = Goal Amount / ((((1+r)^n − 1)/r) × (1+r)), where r = monthly rate, n = months. This is the reverse of the SIP maturity formula.
Child education (typically ₹50L–₹1Cr), marriage fund (₹25–50L), home down payment (₹20–50L), retirement corpus (₹3–5Cr), foreign travel or car (₹5–20L).
Delaying by 2 years typically increases the required monthly SIP by 15-25%. For a Rs 50 lakh goal in 15 years at 12%, you need Rs 10,500/month. Waiting 2 years means you need Rs 14,000/month - paying Rs 84,000 extra per year. Every month of delay compounds the catch-up cost.
Yes - and you should. Create separate SIPs for each goal: one for child education, one for home down payment, one for retirement. Each SIP runs in an appropriate fund category matching the time horizon. Mixing goals in one SIP makes tracking and rebalancing difficult.
For a 15-year horizon, equity Goal SIP at 12%+ CAGR historically outperforms PPF at 7.1%. However, PPF returns are guaranteed and tax-free while SIP returns are market-linked. A combination works best: PPF for the guaranteed floor plus Goal SIP for the growth component.
Yes - review your Goal SIP at least annually. If your target corpus increases due to higher inflation estimates, use the Goal SIP calculator to recompute the required monthly amount for the remaining years and increase the SIP accordingly. Most platforms allow free SIP amount modifications.
If the computed SIP is unaffordable, use a step-up SIP instead: start at a lower amount you can afford today and increase it 10-15% each year as your salary grows. For example, if you need Rs 20,000/month but can only manage Rs 12,000, a 15% annual step-up from Rs 12,000 reaches Rs 20,000+ in just 4 years while still building significant corpus. Alternatively, extend the goal timeline by 2-3 years to reduce the monthly requirement substantially.
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