Investment
Goal SIP Planner
Reverse-engineer the monthly SIP needed to hit any target amount by a chosen year.
Your goal
₹1.00 Cr
Equity MF: 10–14% long-term
Required monthly SIP
₹19,819
to reach ₹1.00 Cr in 15 yrs
- Total invested
- ₹35,67,352
- Wealth gained
- ₹64,32,648
- Total months
- 180
Formula: P = FV / [((1+r)ⁿ − 1)/r × (1+r)] — reverses the SIP future-value formula.
Invested vs returns
- Invested
- Returns
Total: ₹1.00 Cr
Formula
How the math works
P = FV / [ ((1 + r)ⁿ − 1) / r × (1 + r) ]
- FV
- Goal / target amount
- P
- Monthly SIP required
- r
- Monthly return = annual/12
- n
- Number of months
Method
How it works
- 1
Enter your goal amount — a house, education, retirement corpus.
- 2
Set the number of years you have to reach it.
- 3
Pick an expected return based on the fund category.
- 4
CalcPe reverses the SIP formula to show the monthly amount you need to invest.
Worked example
A quick walkthrough
Inputs
Target ₹1 Cr in 15 years at 12% p.a.
Steps
- n = 15 × 12 = 180 months
- r = 12/12/100 = 0.01
- Solve FV formula for P
Result
Required monthly SIP ≈ ₹19,819
Why use it
Why CalcPe’s Goal SIP Planner
- Convert abstract goals into a concrete monthly action.
- Compare different tenures to see how time reduces the SIP burden.
- Great for retirement, education, weddings and dream homes.
- Combine with Step-Up SIP if today’s SIP feels too high.
FAQ
Frequently asked questions
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