Goal-Based Investing · Reverse SIP Calculator

Target SIP Calculator —
How Much SIP to Reach Your Goal?

Work backwards from your goal. Enter how much you want to accumulate and when, and get the exact monthly SIP you need to invest today.

Select a target below or set a custom goal. The calculator solves for the required monthly SIP using the reverse annuity formula.
Target
₹1 Cr
Target
₹2.5 Cr
Target
₹5 Cr
Target
₹10 Cr
Your Goal Details
Target Corpus (Goal Amount)
₹1,00,00,000
₹1L₹50 Cr
Time to Achieve Goal
15 yrs
1 yr40 yrs
Expected Annual Return
12% p.a.
4%20%
Current Savings (if any)
₹0
₹0₹1 Cr
Required Monthly SIP
₹0
to reach your goal in 15 years
Your Goal
₹0
Total You'll Invest
₹0
Returns Generated
₹0
With 10% Step-Up
₹0/mo
SIP contribution vs Market returns0%
Your SIP Market returns
Corpus Build-Up to Your Goal
SIP Required at Different Return Rates — to Reach Your Goal
Return RateMonthly SIP NeededTotal InvestedReturns Generated

Goal-Based SIP Planning — Your Questions Answered

How much SIP do I need to reach ₹1 crore?+
The required SIP depends on your timeline and return rate. At 12% annual return: 10 years → ₹43,000/month, 15 years → ₹20,000/month, 20 years → ₹10,000/month, 25 years → ₹5,000/month, 30 years → ₹2,900/month. This illustrates the enormous power of starting early — a 10-year delay more than quadruples the required monthly SIP for the same ₹1 crore goal. Starting early is the single most powerful wealth-building decision.
What is the formula for reverse SIP calculation?+
The reverse SIP formula solves for the monthly payment needed to reach a future value: Monthly SIP = FV × r / [(1 + r)^n - 1] / (1 + r), where FV is your target corpus, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. This is the standard Present Value of Annuity formula rearranged. This calculator automatically applies this formula and adjusts for any existing savings you already have.
How does existing savings reduce my required SIP?+
If you already have savings, they compound on their own and reduce the corpus you need to build through SIP. For example, to reach ₹1 crore in 15 years at 12%: without any existing savings, you need ₹20,000/month SIP. With ₹5 lakhs already saved (growing to ₹27.4 lakhs in 15 years), you only need to build ₹72.6 lakhs through SIP — reducing your required monthly SIP to approximately ₹14,500. The calculator above accounts for this automatically.
Should I adjust my goal for inflation?+
Yes — always. ₹1 crore in 15 years has the purchasing power of approximately ₹42 lakhs today at 6% inflation. If you need ₹1 crore in today's money at retirement, your actual target should be ₹2.4 crores in 15 years. Use the Inflation Calculator on CalcPhi to find your inflation-adjusted target, then enter that number into this Target SIP Calculator for accurate goal-based planning. Never plan your retirement target in today's rupees.
What if I cannot afford the required SIP right now?+
If the required SIP exceeds your current capacity, use the Step-Up SIP strategy. Start with what you can afford today and increase by 10–15% annually. For example, if ₹20,000/month is required but you can only start at ₹12,000/month, a 10% annual step-up brings your total contribution on par within a few years. The Step-Up SIP Calculator on CalcPhi can show you the exact starting amount needed with different step-up percentages to still reach your goal.