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Financial Planning ToolsGoal SIP Planner
Free tool · No login · Goal-based investing

Goal SIP planner — how much do you need to invest every month?

Tell the planner what your goal costs today. It applies inflation to the year you need the money, credits whatever you have already set aside, and solves for the monthly SIP that closes the rest — plus what it costs you to invest less than that.

In Short
A goal SIP is sized against the futurecost of the goal, not today's price. A child's education costing ₹25L today, needed in 15 years, will cost about ₹91.1L at 9% inflation. After the savings you have already earmarked grow, the gap needs a SIP of about ₹15,878 a month at a 12% return — of which roughly 66% is compounding, not your own money.

Your goal

Start from a preset, then adjust anything.

₹
₹1 L₹5 Cr

What it would cost if you paid this month — not what you guess it will cost later.

yrs
1 yr40 yrs

The date the money must be ready.

%
0%12%

Education and healthcare run 8–10%; most else 5–6%.

%
4%18%

Match the horizon: 10–12% equity, 8–10% hybrid, 6–7% debt.

₹
₹0₹2 Cr

Grown at the same expected return and deducted from the target.

Start smaller and raise the instalment with your income

What it takes

Monthly SIP required
₹15,878
for 180 instalments · ₹9,226 to start if you step up 10% a year
Goal cost in 2041₹91.1L
Savings you already hold, grown₹10.9L
Instalments you will pay in₹28.6L
Growth the market contributes₹51.5L
Inflation adds
₹66.1L
3.6× today's price
Total you will invest
₹28.6L
across 180 instalments
If you can only invest

Drag to see what a smaller instalment leaves you with

₹16,000
₹500₹26K

₹16,000 a month funds the goal with ₹61.7K to spare — you could bring the date forward or raise the goal.

Plan this goal SIP

Year by year to 2041

Corpus at the required ₹15,878 SIP against the goal cost, which keeps rising at 9% a year.

Corpus builtStill to fund
Yr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 15

If the return assumption is wrong

SIP required for the same goal at other return assumptions.

Buy yourself time

Same goal, later date. The cost rises with inflation, but the SIP falls anyway — compounding wins the trade.

Why goal planning starts with inflation

Most plans fail at the first line, not the last: the target is set in today's rupees. A four-year engineering degree that costs ₹25 lakh now is a ₹60 lakh bill in fifteen years at 6% inflation — and education has historically inflated faster than that. Fund the un-inflated number and you arrive with less than half of what the goal asks for.

So the honest sequence is: inflate the cost, credit what you already hold, and only then ask what the monthly instalment must be. If that number is uncomfortable, the levers are the date, the size of the goal, or a step-up — never a higher return assumption, which is the one variable you don't control.

The formula

FC = C × (1 + f)y
Gap = FC − S × (1 + r)y
P = Gap ÷ { [ (1 + i)n − 1 ] / i × (1 + i) }
C — cost of the goal today · f — inflation
S — savings already earmarked · r — expected return
i — monthly return (r ÷ 12) · n — instalments (y × 12)
P — the monthly SIP the goal needs
Insights by Saarthi AI

Four ways this plan usually breaks

Each has a fix on this page. Tap one to load the assumption it implies.

Monthly SIP by goal

Typical Indian goals at a 12% return, each with the inflation rate that fits it. Tap a row to load it into the planner.

GoalCost todayYearsInfl.Future costSIP needed
Child's education₹25L159%₹91.1L₹18,047
Home down payment₹20L86%₹31.9L₹19,735
Retirement corpus₹2Cr256%₹8.6Cr₹45,234
Wedding₹15L107%₹29.5L₹12,700
A car₹12L56%₹16.1L₹19,468
Emergency fund₹6L36%₹7.1L₹16,425

Illustrative. Mutual fund returns are not assured and vary with the fund and market cycle.

Frequently Asked Questions

Inflate the cost first: future cost = today's cost × (1 + inflation)^years. Subtract the future value of savings already earmarked, then divide the remaining gap by the future value of a ₹1 monthly SIP. A goal costing ₹25 lakh today, needed in 15 years at 6% inflation and a 12% return, becomes about ₹59.9 lakh and needs roughly ₹11,900 a month.

Related Calculators

SIP Calculator

Project what a fixed monthly SIP grows into over your horizon.

SIP Delay Calculator

The rupee cost of starting this goal SIP a few months late.

Retirement Calculator

Size the corpus your retirement needs, then the SIP for it.

SWP Calculator

Once the goal is funded, how long withdrawals can last.

This goal SIP planner produces an illustrative plan from the goal cost, horizon, inflation rate, expected return and existing savings you enter. It assumes a constant monthly compounded return, instalments made at the start of each month, and inflation applied annually; real mutual fund returns vary and are not guaranteed. Figures are before exit load, stamp duty and capital gains tax. Mutual fund investments are subject to market risks — read all scheme related documents carefully. This page is for information only and is not investment advice.