SIP Calculator for Target Amount
A SIP calculator for a target amount — the reverse of a normal SIP projection. Enter the corpus you want to reach, your tenure, and an expected annual return, and this calculator solves for the monthly SIP investment required to get there.
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The calculators on this site are for informational and educational purposes only and do not constitute investment advice. TradeCalc is not a SEBI-registered investment advisor. Please consult a qualified financial advisor before making investment decisions.
Step-up SIP or inflation-adjusted target? (optional)
Required monthly SIP
₹9,909.31
To reach ₹50,00,000.00 in 15 years at 12% expected annual return.
Total invested
₹17,83,675.80
Total gains
₹32,16,324.20
Target reached
₹50,00,000.00
All calculations run entirely in your browser — nothing you enter here is sent to a server or stored anywhere.
Solving for the contribution, not the outcome
Most SIP calculators answer the wrong question for goal planning
A standard SIP calculator takes a monthly amount you already have in mind and tells you what it will grow into. But if you're planning around a specific goal — a down payment, a child's education cost, a fixed retirement number — you usually know the target amount and deadline first, and the monthly amount is what you actually need to figure out. This calculator flips the usual calculation around to answer that question directly.
Under the hood, it's still one calculation engine
For a flat monthly SIP, the required amount has a direct algebraic solution. For a step-up SIP, there's no equally simple formula — but a step-up SIP's future value scales proportionally with the starting monthly amount, so the required amount can be found by scaling a reference calculation rather than solving a new equation. Either way, the same future-value logic used on the step-up SIP calculator is what verifies the answer here.
A target far in the future should usually account for inflation
If your target amount represents today's prices — what something costs right now, not what it will cost when you actually need the money — the required SIP will be understated unless that target is inflated first. The optional inflation adjustment above handles that; see the inflation-adjusted SIP calculator if you want to explore nominal vs. real value in more depth.
Frequently asked questions
How is the required SIP amount calculated?
This is the reverse of a normal SIP calculation: instead of starting with a monthly amount and projecting the future value, it starts with your target corpus and solves backward for the monthly investment that would grow to exactly that amount, given your tenure and expected annual return. For a flat SIP this uses the direct algebraic inverse of the standard SIP future-value formula; for a step-up SIP it uses the fact that future value scales proportionally with the starting monthly amount, so the required amount can be solved by scaling from a reference calculation rather than needing a separate formula.
What if I can't afford the required monthly amount?
You have a few levers, and it's usually a combination rather than one alone: extend the tenure if the goal has flexibility, look for a realistically higher expected return (without taking on more risk than you're comfortable with), or add a step-up % above so the required starting amount is lower and grows with your income over time instead of staying fixed at a number you can't sustain today.
Should I account for inflation in my target?
It depends on how you arrived at the target number. If you already estimated it in future rupees (e.g. "college fees will be about ₹40L by then"), leave inflation adjustment off — it's already a nominal figure. If instead you're thinking in today's money (e.g. "I want the equivalent of ₹50L in today's purchasing power"), turn on the optional inflation adjustment so the calculator inflates your target to a nominal figure first before solving — otherwise the required SIP will be understated for a goal far in the future.
Does a higher step-up % lower the required starting SIP?
Yes — because a step-up SIP's contributions grow every year, reaching the same target corpus needs a smaller starting monthly amount than a flat SIP would, since later, larger contributions do more of the work. The trade-off is that your monthly investment keeps rising each year rather than staying constant, so the step-up % you choose should still be one your income can realistically support.
Is this target-amount SIP calculator free?
Yes — it's free, runs entirely in your browser, and requires no signup. Nothing you enter is sent to a server or stored anywhere.
Want to grow your investment faster than inflation instead of just hitting a fixed target? Try a step-up SIP, or see the nominal vs. real value comparison.
Prefer to start from a specific life goal instead of a blank form? The goal-based SIP calculator has illustrative presets for education, retirement, a wedding, and more.
Learn more: How to Calculate SIP Returns.
Ready to start a SIP? Compare brokers to open an investment account.