Home / Investing & Mutual Funds / SIP Goal

SIP Goal Calculator

↻ Updated FY 2026-27

Work backwards from a goal. Enter the corpus you want, your time horizon and expected return to find the exact monthly SIP needed to get there.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Target corpus

Time to goal

Expected annual return

Monthly SIP needed

₹19,819

to reach ₹1,00,00,000

Total you invest

₹35,67,352

over 180 months

Growth contributes

₹64,32,648

64% of the goal

How the goal is funded

Your investment₹35,67,352

Estimated growth₹64,32,648

ASSUMPTIONS — Solves the SIP instalment needed to reach your target, assuming monthly investments at the start of each month (annuity due) and a constant 12% return. Mutual fund returns are market-linked and not guaranteed — actual returns vary. Figures are before taxes, exit loads and inflation.

Runs entirely in your browser — nothing you enter is sent to us.How this works

Embed this calculator

Related calculators

SIP Step-Up SIP FIRE

Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.