Goal-Based SIP Calculator
Start with the goal, not the SIP. Tell it what something costs today and when you need it — it inflates the cost and works backwards to the monthly amount required.
Work out your required SIP
Invest ₹15,416/month to reach a target of ₹35,81,695 in 10 years.
Why inflate the goal at all?
Most SIP calculators start from a monthly amount and tell you what it grows into. That's backwards for goal planning — you don't wake up wanting to invest ₹20,000 a month, you wake up needing ₹40 lakh for a house down payment in eight years.
The catch is that "₹40 lakh today" and "₹40 lakh in eight years" aren't the same amount of buying power. This calculator inflates your target by your assumed rate first — using Future cost = Present cost × (1 + inflation)ⁿ — then solves for the monthly SIP that reaches that inflated number, using the same annuity-due formula as the standard SIP calculator, solved in reverse.
Education and wedding goals typically run hotter than headline CPI inflation (7–10% is a common planning range in India); a house or a car tends to track closer to general inflation (5–6%). Adjust the slider per goal rather than using one inflation number for everything.
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