Goal SIP Calculator - Reverse-Plan Any Target
Start with the goal-not the instalment. Enter the amount and deadline to see the monthly SIP required at your assumed return.
- You contribute
- Implied growth
Monthly SIP needed
₹12,069.25
Goal
₹15,00,000
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
From Saarthi Capital · AMFI-registered MFD
You ran the numbers. Want a plan that actually gets there?
You came for the number. Leave with a plan-a Saarthi advisor turns this projection into a goal-mapped portfolio, free first conversation.
- Mutual funds & SIPsOur core-goal-mapped investing
- Term & health insuranceProtection sized to your family
- FD laddersPredictable, planned liquidity
- Tax planning80C and beyond, all year
Reply within 1 business day · No spam, no pressure
Goal-based SIP calculator - how to use this tool
Work backwards from a goal date and amount to an illustrative monthly SIP (Saarthi+).
A goal SIP calculator works backwards from a target amount and horizon to the monthly SIP needed at an assumed return. Inflate the goal first for education or marriage targets, then stress-test the SIP figure at lower returns before committing.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How do I find the SIP needed for a goal?
Enter your target amount, years to goal and an assumed annual return. This goal SIP calculator works backwards to the monthly investment needed-illustrative only, since returns are not guaranteed.
Should I adjust my goal for inflation first?
Yes. A ₹20 lakh education goal today will cost meaningfully more in 10 years. Estimate the future cost with the inflation calculator, then feed that number here.
What if the required SIP is more than I can afford?
Extend the horizon, lower the target, or start smaller and add an annual step-up. A partial corpus funded by SIP plus a later lumpsum is still a valid plan.
Ready to act on these numbers?
Share your scenario with Saarthi Capital-we’ll turn it into a goal-mapped portfolio, loan structure, deposit ladder, or tax-aware plan.
Talk to an advisor - free →