Goal Investment Calculator
Enter a target amount and when you need it, and see the monthly SIP (or lumpsum today) that could get you there at your assumed return — with an inflation adjustment for the goal.
Monthly SIP needed
₹38,540
to reach ≈ ₹89.54 Lakh by Sept 2036 at 12% p.a.
Goal amount at target date (inflation-adjusted)
₹89,54,238
Or invest once today
₹27,13,088
Total you would invest via SIP
₹46,24,743
Estimated growth
₹43,29,495
Pin this scenario, change the inputs, and compare side by side.
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Tools that naturally follow this calculation.
Path to your goal
- Est. Gains
- Invested
Example calculation
A goal of ₹50,00,000 in today's money grows to about ₹89,54,238 after 120 months at 6% inflation. Reaching it needs a monthly SIP of ₹38,540 at an assumed 12% return — or a single ₹27,13,088 invested today.
How the goal planner works
The planner reverses the SIP formula. Instead of asking 'what will my SIP grow to?', it asks 'what monthly amount would need to be invested — at this assumed return, for this many months — to reach the target?'. It also shows the single lumpsum that would reach the same target if invested today.
Formula
Monthly SIP = Target ÷ { [ (1 + i)n − 1 ] / i × (1 + i) }
where i is the monthly return and n the number of months. If you add an inflation rate, the target is first grown to its future cost; any existing savings are grown at the same return and subtracted.
Why inflate the goal?
A goal that costs a certain amount today will cost more by the time you reach it. Entering an inflation assumption converts today's price into the amount you will actually need, so the SIP is sized for the real future cost.
Assumptions & Limitations
- •Constant monthly return; real returns vary and are not guaranteed.
- •SIP instalments are invested at the start of each month.
- •Costs, taxes and exit loads are not modelled.
Frequently asked questions
Methodology last reviewed: 1 June 2026