₹
₹1,00,000₹10,00,00,000
% p.a.
5% p.a.30% p.a.
140
Total Invested
₹37,82,058Estimated Returns
₹62,17,942Target Amount
₹1,00,00,000Required Monthly SIP₹21,011
Invested
Returns
Total₹1,00,00,00062% returns
Growth over time
ValueInvested
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SIP Goal Calculator
Start from the corpus you want — see the monthly SIP that gets there
What is SIP Goal Calculator?
A SIP goal calculator inverts the usual SIP question: you name the corpus you want — ₹25 lakh for education, ₹1 crore for retirement — the expected return and the years you have, and it tells you the monthly SIP that gets there. It uses the standard SIP future-value formula solved for the monthly contribution.
How to use VyajPay's SIP Goal Calculator?
Enter your target amount, the annual return you expect (equity mutual funds have historically delivered 10–14% over long periods, never guaranteed) and the years available. The calculator returns the required monthly SIP, how much of the final corpus is your own money and how much is growth. The year-by-year chart shows how late the growth arrives — most of the compounding happens in the final third.
01
Adjust the sliders or type values to match your scenario.
02
Watch the donut chart update live — blue arc = your returns.
03
Read the result summary below the inputs for the final numbers.
Why use VyajPay's SIP Goal Calculator?
- Turns a vague goal into one concrete monthly number
- Shows how dramatically starting earlier reduces the required SIP
- Same formula as the SIP calculator, solved backwards — the two always agree
- Free, instant, no signup
Frequently Asked Questions
At 12% expected annual return, roughly ₹21,000 per month. At 10 years it jumps to about ₹44,600 per month — five extra years cut the requirement by more than half, which is the whole argument for starting now.
Long-term Indian equity fund returns have historically been in the 10–14% band, but they are not guaranteed. Plan at 10–12% and treat anything above as a bonus rather than a promise.
If your income grows, yes — even a 10% annual step-up reaches the same goal with a much smaller starting SIP. Use the Step-Up SIP calculator to model it.
Related calculators
SIP CalculatorCalculate wealth created by monthly SIP investments with compounding returnsLumpsum CalculatorOne-time investment growth calculator with annual compoundingStep-Up SIPIncrease your SIP every year — see the power of annual step-up investingSimple Interest (Byaj)Calculate flat-rate interest on loans — daily, monthly, or yearlyCompound InterestInterest on interest — see how compounding grows your loan or investmentEMI CalculatorReducing balance EMI — used by banks for home, car & personal loansFlat Rate EMIFlat rate EMI calculation common in informal lending — see the true costSekda Byaj CalculatorRupees per hundred per month converted to a real annual rate
Byaj ka hisab, the Indian way
Ready to track your actual loans?
Use these calculators to plan, then track your real loans, EMIs and borrowers in the VyajPay app for Android and iPhone.