Reverse-engineer the SIP needed for any target.
Monthly SIP required
₹19.82K
Total invested: ₹35.67 L
Total Invested
₹35.67 L
Wealth Gained
₹64.33 L
Given a fixed target, expected return, and horizon, this calculator inverts the FV-of-annuity-due equation to compute the minimum monthly SIP needed.
SIP = FV ÷ [((1+r)ⁿ − 1)/r × (1+r)] where r is monthly rate.
Reverse-engineer the future-value formula: P = FV × r / [((1+r)ⁿ − 1) × (1+r)]. This calculator does the math for you — enter target amount, tenure and expected return; it returns the exact monthly SIP required.
At 12% CAGR you need approximately ₹20,000/month for 15 years to reach ₹1 crore. Reducing tenure to 10 years pushes the required SIP to ~₹43,500/month — time is the single biggest lever in goal-based investing.
Yes — always set the future value in tomorrow's rupees. A ₹50 lakh wedding goal today becomes ~₹1.06 crore in 15 years at 5% inflation. Inflate your target before calculating the SIP, otherwise you will fall short.
Three levers: extend the tenure, increase expected return (move from debt to equity), or step up SIP annually. Even a modest 10% step-up reduces the starting SIP requirement by 30-40% for long-tenure goals.