Goal Planner Calculator
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Quick Summary
- Find the exact monthly SIP needed to hit any goal, home, education, retirement or a wedding. Enter your target amount and timeline. Free tool.
- For example, Goal: ₹20 lakh in 10 years at 12% works out to Required SIP ≈ ₹8,700/month.
- Built for anyone planning a specific financial goal — home, education, retirement — and working out the required monthly SIP
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Power of compounding tip
Starting early makes the biggest difference. An investor starting at 25 ends up with 2–3x more than one starting at 35 — with the same monthly SIP.
How the Goal Planner Calculator Works
You enter your target amount, the number of years you have, and your expected return rate. The calculator works backward from the future value formula to solve for the exact monthly SIP that will reach that goal — optionally after inflating the goal's present-day cost to what it will actually cost in the future.
Example Scenarios
| Scenario | Result |
|---|---|
| Goal: ₹20 lakh in 10 years at 12% | Required SIP ≈ ₹8,700/month |
| Goal: ₹50 lakh in 15 years at 12% | Required SIP ≈ ₹9,900/month |
| Goal: ₹1 crore in 20 years at 12% | Required SIP ≈ ₹6,700/month |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
A goal-based SIP calculator works backward from your target amount: given the goal value, time horizon and expected return rate, it solves for the monthly SIP required using the SIP future-value formula, so you know exactly how much to invest each month to reach that goal.
Yes. Always inflate your goal's present-day cost to its future value using a realistic inflation rate (6-7% for India) before calculating the required SIP — otherwise you'll under-save for the goal by the time you actually need the money.
You can extend the time horizon, choose a higher-return (equity-oriented) fund category if the goal is long-term, or use a step-up SIP that increases your contribution each year in line with rising income.
Common Mistakes to Avoid
- Using today's cost of the goal without inflating it to its future value.
- Picking an overly optimistic return rate for a short-term (under 5-year) goal that shouldn't be in equity at all.
- Not revisiting the required SIP periodically as your income, goal amount, or timeline changes.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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