Calculator
Goal SIP calculator
A ₹1 Cr house today won't cost ₹1 Cr in 15 years. Find the SIP that covers the real price.
₹47,496/mo
- Goal will cost then₹2.40 Cr
- You invest in total₹85.49 L
Hover any bar for the yearly breakup.
Reverse SIP: inflation pushes the goal away while returns pull you forward. Set inflation to 0% for a fixed-amount target.
What this calculator answers
A goal costing ₹1 crore today, 15 years away, at a 12% expected return and 6% inflation will cost about ₹2.40 crore then, which needs a monthly SIP of about ₹47,496 — ₹85.49 lakh invested in total. Enter the goal in today's money to get the future cost and the monthly investment.
How it is calculated
The goal is first inflated to its future cost, then the reverse-SIP formula solves the instalment: monthly = future target × i ÷ (((1 + i)^n − 1) × (1 + i)), where i is one-twelfth of the annual return and n is the number of months.
The goal is entered in today's rupees and inflated at 6% by default. The instalment is assumed to stay fixed for the whole period, with no step-up.
Common questions
Why is the future cost so much higher than the goal I typed?
6% inflation over 15 years multiplies the cost by about 2.4. Entering the goal in today's money keeps the input intuitive, and the inflated figure is shown separately.
What if I can only invest half of the suggested amount?
Either extend the timeline or accept a lower inflation-adjusted target. A step-up SIP, which the SIP calculator handles, also reaches further with the same starting instalment.
Does this plan include an annual step-up?
No — it assumes a constant monthly instalment. To see what a rising instalment does, run the same amount through the SIP calculator with a step-up.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.