Securing Hannav Ledger...
Securing Hannav Ledger...
Find the monthly SIP needed in India to reach a financial goal — home down payment, education, wedding, or corpus — from your target amount and timeline.
Enter variables to compute real-time projections
18,846.72
6,21,169.64
43,78,830.36
12.42
PMT = (Shortfall * r_m) / (((1 + r_m)^n - 1) * (1 + r_m))Required monthly SIP for a target goal amount.
A Goal SIP calculator works backwards from your target (₹50 lakh house down payment, education, etc.) to the monthly SIP you need. Inflate today’s cost before entering the goal amount — education inflation in India often runs 8–10%.
Current savings compound to FV = PV × (1+r)^t. Required SIP uses the standard annuity formula on the shortfall. Negative shortfall means savings alone may cover the goal.
Goal ₹50 lakh in 10 years, ₹2 lakh saved, 12% return: savings grow, shortfall shrinks, and the calculator shows the monthly SIP needed to close the gap. Pair with [Step-Up SIP](/calculators/step-up-sip-calculator) once income rises.
Under 3 years: debt/FD/liquid. 3–5 years: hybrid. 7+ years: equity SIPs. Use [Inflation Calculator](/calculators/inflation-calculator) to adjust the goal amount.
Same engine family as [Goal Planner](/calculators/goal-planner). For retirement corpus sizing see [Retirement Corpus Calculator](/calculators/retirement-corpus-calculator).