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Calculators

Investment Goal Calculator

Find the monthly SIP or lump sum needed today to reach a future money goal, after counting what you have already saved.

Enter a value between 1 and 50; the calculation uses the nearest allowed value.
Enter a value between 0 and 100; the calculation uses the nearest allowed value.

Monthly SIP needed

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Or lumpsum needed today
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Future value of existing savings
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Total you will invest via SIP
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Assumes a constant return compounded monthly and does not adjust the target for inflation. Increase the target to account for rising costs.

How it works

  1. Any amount already saved is projected to the goal date at your assumed return (compounded monthly).
  2. The shortfall is Target − projected value of existing savings.
  3. The monthly SIP required is solved from the SIP future-value formula (payments at the start of each month): SIP = Shortfall × i ÷ [((1 + i)^n − 1) × (1 + i)], where i is the monthly rate and n the number of months.
  4. The lump sum required today is Shortfall ÷ (1 + i)^n.

The calculator does not add inflation for you — enter the target in future rupees (see the inflation example below).

Assumptions matter enormously. Revisit your plan at least once a year.

Worked example

You want ₹25,00,000 in 10 years and assume an 11% annual return, starting from nothing. The calculator estimates you need a monthly SIP of about ₹11,416, or a lump sum today of about ₹8,36,358.

If you already have ₹2,00,000 saved, it is projected to grow to about ₹5,97,830 by the goal date. The gap falls to about ₹19,02,170 and the monthly SIP needed drops to about ₹8,686.

Setting a realistic target

Enter the target in the money you will need at the time. If you know today's cost of a goal (for example a course fee), inflate it first: at 6% inflation, something costing ₹10,00,000 today costs about ₹17,90,848 in 10 years. Education and healthcare costs have often risen faster than general inflation.

Choosing the return assumption

Match the assumption to the investments you will actually use. Money needed within three years is usually kept in lower-risk options, where a high return assumption would be unrealistic. For long goals, try at least two return scenarios and plan around the more cautious result.

Review regularly

Re-run the calculation once a year or when your income, goal or investments change. If you fall behind, you can increase the SIP, extend the timeline or adjust the target.

Frequently asked questions

What inflation rate should I use?

The calculator itself does not apply inflation, so inflate today's cost first: future cost = today's cost × (1 + inflation)^years. Use a rate that reflects the goal — education and healthcare costs have historically risen faster than general consumer prices. Try more than one scenario.