What does this tool do?
Most SIP calculators ask "how much will my ₹5,000/month grow to?" This one works in reverse: you tell it your goal (say ₹1 crore in 15 years), and it tells you the monthly SIP you need to start today.
Who is it for?
Anyone saving for a clear goal — retirement, a child's education, a house down payment, or the classic "₹1 crore" milestone.
How to use it (step by step)
- Open the 🧮 Calculator tab.
- Tap a preset goal (₹1 Cr / Child education ₹50L / Retirement ₹5 Cr) or type your own target and years.
- Keep the expected return at 12% (typical long-term equity fund assumption) or adjust it.
- Optional: add a yearly step-up % — most people increase their SIP as salary grows; this lowers the starting amount needed.
- Optional: switch on inflation adjustment — then the tool inflates your target so it has today's purchasing power when you reach it.
- See the required monthly SIP, how much you actually invest vs how much the market earns for you, and the growth chart.
Example use cases
- ₹1 crore in 15 years at 12%: the tool shows the monthly SIP needed — usually far less than people guess.
- Child's education, ₹50L in 12 years with inflation on at 6%: the real target becomes about ₹1 crore in future rupees — plan for that, not ₹50L.
- Retirement ₹5 Cr in 25 years with a 10% yearly step-up: see how a modest starting SIP gets you there because it grows with your income.
Good to know
- SIP is assumed to be invested at the start of each month (annuity-due), which is how most SIP dates work.
- Returns are assumed constant; real markets fluctuate. 10-12% is a common long-run equity assumption, not a guarantee.
- Capital gains tax on redemption is not deducted.