Goal SIP Planner
Enter your goal – we’ll tell you how much to invest monthly
Target Amount (Goal)₹50,00,000
₹1L₹10 Cr
Time to Achieve Goal15 Years
1 Year40 Years
Expected Return12% p.a.
1%30%
Monthly SIP Required
₹9,921
To reach ₹50L in 15 years
₹50L
Your Goal
₹17.9L
You’ll Invest
₹32.1L
Market Returns
₹331
Per Day Cost
⚠ Disclaimer: Estimates only. Actual mutual fund returns may vary. Not financial advice. Consult a SEBI-registered advisor.
How to Use the Goal SIP Planner
Enter your financial goal (e.g. ₹50L for a house down payment, ₹1Cr for retirement), the time you have to achieve it, and an expected return rate. The calculator tells you exactly how much to invest every month.
Common Financial Goals in India
- Child’s education: ₹20L-₹1Cr in 15-20 years
- Home down payment: ₹10L-₹30L in 5-10 years
- Retirement corpus: ₹2Cr-₹5Cr in 20-30 years
- Emergency fund: 6 months of expenses
FAQs
What return rate should I assume?
For equity mutual funds targeting long-term goals (10+ years), 10-12% p.a. is a realistic assumption. For shorter goals, use 8-10% to be conservative.
Should I account for inflation?
Yes. If your goal is ₹50L today but you have 15 years, the actual cost will be higher due to inflation. Consider increasing your target by 6-7% per year to account for this.