Goal SIP Calculator
Find the exact monthly investment needed to reach your target corpus.
Monthly investment required to reach ₹1,00,00,000 in 15 years at 12% CAGR.
| Year | Invested Amount | Projected Corpus |
|---|---|---|
| Year 1 | ₹2,52,132 | ₹2,68,237 |
| Year 2 | ₹5,04,264 | ₹5,68,662 |
| Year 3 | ₹7,56,396 | ₹9,05,139 |
| Year 4 | ₹10,08,528 | ₹12,81,992 |
| Year 5 | ₹12,60,660 | ₹17,04,068 |
| Year 6 | ₹15,12,792 | ₹21,76,793 |
| Year 7 | ₹17,64,924 | ₹27,06,245 |
| Year 8 | ₹20,17,056 | ₹32,99,231 |
| Year 9 | ₹22,69,188 | ₹39,63,376 |
| Year 10 | ₹25,21,320 | ₹47,07,218 |
| Year 11 | ₹27,73,452 | ₹55,40,321 |
| Year 12 | ₹30,25,584 | ₹64,73,397 |
| Year 13 | ₹32,77,716 | ₹75,18,441 |
| Year 14 | ₹35,29,848 | ₹86,88,891 |
| Year 15 | ₹37,81,980 | ₹99,99,795 |
Method: Standard Mutual Fund Compounding · Month-start investment.
Illustrative projection, not a forecast. Returns are not guaranteed. Not investment advice.
| Year | Total Invested | Total Growth | Corpus at Year End |
|---|---|---|---|
| Year 1 | ₹2,52,132 | +₹16,105 | ₹2,68,237 |
| Year 2 | ₹5,04,264 | +₹64,398 | ₹5,68,662 |
| Year 3 | ₹7,56,396 | +₹1,48,743 | ₹9,05,139 |
| Year 4 | ₹10,08,528 | +₹2,73,464 | ₹12,81,992 |
| Year 5 | ₹12,60,660 | +₹4,43,408 | ₹17,04,068 |
| Year 6 | ₹15,12,792 | +₹6,64,001 | ₹21,76,793 |
| Year 7 | ₹17,64,924 | +₹9,41,321 | ₹27,06,245 |
| Year 8 | ₹20,17,056 | +₹12,82,175 | ₹32,99,231 |
| Year 9 | ₹22,69,188 | +₹16,94,188 | ₹39,63,376 |
| Year 10 | ₹25,21,320 | +₹21,85,898 | ₹47,07,218 |
| Year 11 | ₹27,73,452 | +₹27,66,869 | ₹55,40,321 |
| Year 12 | ₹30,25,584 | +₹34,47,813 | ₹64,73,397 |
| Year 13 | ₹32,77,716 | +₹42,40,725 | ₹75,18,441 |
| Year 14 | ₹35,29,848 | +₹51,59,043 | ₹86,88,891 |
| Year 15 | ₹37,81,980 | +₹62,17,815 | ₹99,99,795 |
Inverse Compounding: Solving for the Required Monthly Investment
Standard calculators operate forward: you specify a monthly investment amount to estimate future accumulation. Goal planning operates in reverse: you define a required milestone and solve backwards for the exact periodic contribution required.
Where P is required monthly installment, Target is the maturity corpus, i is effective monthly compounding rate, and n is total installment count.
Target Wealth Milestones Benchmark (Assuming 12% p.a. Return)
| Target Goal | Tenure | Required Monthly SIP | Total Invested | Compound Gains |
|---|---|---|---|---|
| ₹25,00,000Higher Education | 10 Years | ₹11,159/mo | ₹13,39,080 | +₹11,60,936 |
| ₹50,00,000Home Down Payment | 12 Years | ₹16,229/mo | ₹23,36,976 | +₹26,63,107 |
| ₹1,00,00,000First Wealth Milestone | 15 Years | ₹21,011/mo | ₹37,81,980 | +₹62,17,815 |
| ₹2,00,00,000Retirement Corpus | 20 Years | ₹21,743/mo | ₹52,18,320 | +₹1,47,82,138 |
| ₹5,00,00,000Financial Freedom | 25 Years | ₹29,374/mo | ₹88,12,200 | +₹4,11,88,416 |
Calculated under Effective Annual CAGR (AMC Standard) debited at month beginning. Mutual fund returns fluctuate based on market movements.
Frequently Asked Questions: Goal-Based SIP Planning
Common questions regarding SIP calculations, compounding formulas, and mutual fund conventions.
The Goal SIP calculator works backwards from your desired target amount (such as ₹1 Crore). Based on your target corpus, expected annual return, and number of years, it calculates the exact monthly investment needed starting from month one.
Because compounding accelerates exponentially over longer horizons, doubling your investment timeframe cuts the required monthly SIP by significantly more than half, allowing compound returns rather than principal to do the heavy lifting.
For horizons beyond 10 years, future purchasing power is eroded by inflation. It is prudent to estimate your milestone in future nominal terms or discount the projection to ensure your purchasing power is preserved.