Working backwards from your goal. Tell us what you want — retirement corpus, child's education, home down payment — and we'll tell you the exact monthly SIP you need to start today.
Most people invest whatever is left at the end of the month. That's why most people don't reach their goals. Smart investing works the other way: decide your goal first, then calculate exactly what monthly SIP gets you there — and treat it like an EMI you pay yourself first.
This calculator does the reverse SIP math for you. Tell it your goal amount, your timeline, and your expected return — it tells you the exact SIP you need to start today.
Kavya has a 7-year-old daughter. She wants ₹50 lakh ready for her college and wedding expenses 15 years from now. She has zero savings right now. How much SIP?
📌 At 12% expected return: ₹8,750/month
📌 At 10% expected return: ₹11,000/month
📌 At 8% expected return: ₹13,600/month
Now imagine Kavya says "let me think about this for a year." After just 1 year of delay, the required SIP jumps to ₹10,200/month — ₹1,450 more every single month, forever. The cost of waiting 12 months is ₹1,450 × 168 remaining months = ₹2.43 lakh in extra contributions. Plus she misses compounding.
Higher expected returns mean lower required SIP. But resist the temptation to assume 15–18% returns just to make the number look affordable. Plan at 10–12%. If markets deliver more, you'll have a pleasant surplus. If you over-assume, you'll reach your goal year short of your target.
Not accounting for inflation in the goal amount. If you want "₹1 crore for retirement" in 20 years, remember that ₹1 crore in 20 years will only buy what ₹30–35 lakh buys today (at 6% inflation). Your real goal should be ₹3 crore. Use the Inflation Calculator to find the right inflation-adjusted target before using this calculator.
Choose a goal preset or enter custom values. We'll show you the exact monthly SIP needed, with and without inflation adjustment.