SIP Goal Planner
I need ₹X in Y years — what SIP gets me there?
To reach ₹1.00Cr in 15 years
₹19,819 / month
Starting from zero, at 12% a year.
Your goal
₹1.00Cr
₹1L₹10Cr
15 years
1 yr40 yrs
12%
1%30%
₹0
₹0₹5Cr
Path to your goal
You contribute ₹35.67L in total. The remaining ₹64.33L comes from compounding.
What this calculation assumes
- •The required SIP is level — it does not step up. A step-up plan needs less to start with.
- •Anything you have already saved is grown forward at the same return rate and netted off the target.
- •The target is in future rupees. If your goal is a cost in today’s money, inflate it first.
- •Returns compound monthly at a constant rate, and contributions are made at the start of each month.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Work backwards from a target amount to the monthly investment it requires, accounting for anything you have already saved.