Required SIP Calculator (Target Goal Planner)
Reverse-engineer the exact monthly SIP investment required to accumulate your target wealth milestone in India.
To reach ₹1,00,00,000 in 15 years at 12%
*Assumes disciplined monthly investment compounding without withdrawals.
Important Educational Disclaimer for Calculator Results:
Calculations are estimates based on your entered inputs and selected return or inflation assumptions. Results are illustrative, hypothetical, and not guaranteed. Actual market returns, interest rates, tax liabilities, and inflation rates will vary and may materially alter your final outcome. This calculator does not constitute financial, investment, or tax advice.
How much do you need to save every month?
To accumulate a target corpus of ₹1,00,00,000 in 15 years at an expected 12% annual return, you need a disciplined monthly SIP of ₹19,819/month.
- Over 15 years, your total personal contribution will be ₹35,67,352.
- The remaining ₹64,32,648 (64% of your goal) will be generated entirely by compounding market returns.
- If you step up your SIP by 10% annually with salary hikes, your initial required SIP drops by almost 35%!
How This Calculator Works
Reverse-engineers the future value of an annuity due equation to solve for the monthly deposit P given target future value, monthly interest rate i, and total periods n.
P = Target Corpus / ([({(1 + i)^n} - 1) / i] × (1 + i))Variables in Formula:
Worked Step-by-Step Example
You want to build a ₹1 Crore (₹1,00,00,000) corpus for child higher education or retirement in 15 years at an expected 12% CAGR.
Key takeaway: Investing ~₹19,800/month generates ₹1 Crore, with ₹64.3 Lakhs coming purely from compounding interest.
Common Mistakes to Avoid
⚠ Forgetting to adjust for inflation
A ₹1 Crore goal in 15 years will only buy what ~₹41.7 Lakhs buys today at 6% inflation. Always calculate inflation-adjusted goals.
⚠ Assuming fixed return guarantees
Equity returns are volatile year-to-year. Maintain a 1-2 year buffer or start tapering into debt funds as you near your target milestone.
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