Skip to content
ENExplore Calculators

Goal Based SIP Amount Calculator

Work out goal based sip amount instantly with clear inputs, formula shown and shareable results.

About Goal Based SIP Amount Calculator

Working the SIP annuity backwards from a target gives the monthly amount needed. The longer the horizon, the more of the goal is met by compounding rather than by your own contributions.

Formula

Required SIP

P = F / {[((1+r)^n - 1)/r] × (1+r)}

F
Target
r
Monthly return
n
Months

Worked example

With the default values below, Goal Based SIP Amount Calculator returns Monthly Investment Required of $19,818.62. Change any input above and every figure here is recalculated in your browser.

Inputs used

Target Amountminimum 0
10,000,000
Expected Annual Returnaccepts 0–100 %
12 %
Years To The Goalaccepts 1–40
15

Results

Monthly Investment Required
$19,818.62
Total You Will Invest
$3,567,351.60
Contribution From Returns
$6,432,648.40
Share Of The Goal Met By Returns
64.33%

Step by step

  1. 1Values used
  2. 2Required SIP
  3. 3Monthly Investment Required= 19,818.62
  4. 4Total You Will Invest= 3,567,351.60
  5. 5Contribution From Returns= 6,432,648.40
  6. 6Share Of The Goal Met By Returns= 64.33

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Should the target be inflated first?

Yes. Express the goal in future money, otherwise the corpus will fall short in real terms.

What if the required SIP is unaffordable?

Extend the horizon, raise the step-up rate, or split the goal into stages — chasing returns instead adds risk, not certainty.

Related Calculators

Goal Based SIP Amount Calculator | Calcrivo