Goal SIP Calculator: how much SIP do you need?
Enter what your goal costs in today's rupees. The calculator first adds inflation, then works out the monthly SIP needed to reach that future amount.
Written by Koustav Biswas · Reviewed 15 Oct 2026 · How we calculate
₹59,91,395
Goal cost in 15 years
₹11,874/month
SIP needed
Common questions
How much SIP do I need for ₹1 crore in 20 years?
About ₹10,009 a month at an assumed 12% annual return, before considering inflation.
Why add inflation to a goal?
A goal priced today will cost more later. At 6% inflation, prices roughly double every 12 years, so planning on today’s cost leaves a shortfall.
What return should I assume?
Use a conservative figure. Past returns of equity funds vary widely by period and are not a promise. Try several rates to see the range.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Figures are illustrations at assumed rates, not a promise of returns. Koustav Biswas is an AMFI-registered Mutual Fund Distributor (ARN-194809) — not a SEBI-registered Investment Adviser (RIA) or Research Analyst (RA). This page is not a personalised investment service.