Goal reverse-solver
How much SIP to reach your goal?
Tell us the corpus you want and when. We back-solve the monthly SIP you need — and show you two ways to get there: a flat SIP, or a lower-starting step-up SIP that grows with your income.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Read the full disclaimer
The step-up path raises your SIP by this much each year.
Two ways to reach your goal:
Flat total invested: ₹— · Step-up total: ₹— · Future target: ₹—
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In shortTo find the SIP for a goal, back-solve the monthly amount whose post-tax value reaches the target by the deadline. At a 12% annual return, ₹1 crore in 15 years needs about ₹22,950 a month. A 10% yearly step-up lowers the starting SIP to about ₹13,050. In today's money the target, and the SIP, are much higher.
Questions
Frequently asked
Why show a flat SIP and a step-up SIP?
Because they're two real ways to reach the same goal. A flat SIP needs the same amount every month; a step-up SIP lets you start with a noticeably lower amount and increase it each year as your income grows. The step-up starting figure is usually far more affordable.
Does this account for tax?
Yes. By default it solves for the SIP that gives your target after 12.5% LTCG, so you don't fall short once tax is paid.
What does 'target is in today's money' do?
It inflates your goal to its future value first. If you want Rs 1 crore of today's purchasing power in 15 years, the real nominal target is much higher, and we solve for that.
Which step-up rate should I pick?
Match it to your expected annual salary increase — around 10% is typical. A higher step-up lets you start lower, but only choose a rate you can realistically sustain.
Understand the concept: How Much Should You Invest in a SIP?