Goal SIP Calculator 2026
Calculate monthly SIP required to reach your target financial goals (buying a home, child education, dream vacation)
Required Monthly SIP Savings
₹19,900
For 15 years at 12% expected return.
Plan summary
Year-by-year corpus growth
| Year | Invested this year | Total invested | Corpus value | Progress |
|---|---|---|---|---|
| 1 | ₹2.39 L | ₹2.39 L | ₹13.56 L | 13.6% |
| 2 | ₹2.39 L | ₹4.78 L | ₹25.60 L | 25.6% |
| 3 | ₹2.39 L | ₹7.16 L | ₹36.28 L | 36.3% |
| 4 | ₹2.39 L | ₹9.55 L | ₹45.76 L | 45.8% |
| 5 | ₹2.39 L | ₹11.94 L | ₹54.18 L | 54.2% |
| 6 | ₹2.39 L | ₹14.33 L | ₹61.64 L | 61.6% |
| 7 | ₹2.39 L | ₹16.72 L | ₹68.27 L | 68.3% |
| 8 | ₹2.39 L | ₹19.10 L | ₹74.15 L | 74.1% |
| 9 | ₹2.39 L | ₹21.49 L | ₹79.36 L | 79.4% |
| 10 | ₹2.39 L | ₹23.88 L | ₹84.00 L | 84.0% |
| 11 | ₹2.39 L | ₹26.27 L | ₹88.11 L | 88.1% |
| 12 | ₹2.39 L | ₹28.66 L | ₹91.75 L | 91.8% |
| 13 | ₹2.39 L | ₹31.04 L | ₹94.99 L | 95.0% |
| 14 | ₹2.39 L | ₹33.43 L | ₹97.86 L | 97.9% |
| 15 | ₹2.39 L | ₹35.82 L | ₹1.00 Cr | 100.0% |
Path to your goal
Target-Date Goal Planning: Engineering Backward from Future Financial Milestones
Investing without a defined target date is like driving without a destination. Goal-based financial architecture begins with your future milestone, adjusts the target amount for inflation (especially critical for education and healthcare running at 8%–10% inflation), and models the precise monthly SIP required to reach the target.
Capital Protection First
Avoid equity volatility for short-term goals. Utilize arbitrage funds, conservative short-duration debt funds, or high-yield bank fixed deposits.
Balanced Advantage / Multi-Asset
Combine equities (50%–65%) with debt and gold to generate steady inflation-beating growth while mitigating severe downside drawdowns.
Aggressive Index & Flexi-Cap
High equity allocation (75%–100%) in broad market indices (Nifty 50, Midcap 150) to maximize long-term wealth compounding.
Goal-Based Financial Planning FAQs
Strategic guidance on aligning investments with life goals.
Why must education goals assume higher inflation than general retail inflation?
Higher education costs (especially private universities, medical colleges, and overseas study) in India experience inflation of 9% to 12% annually, significantly higher than general CPI inflation (~5%–6%). Factoring in realistic education inflation prevents painful funding shortfalls.
What is a Glide Path strategy as a goal deadline approaches?
A glide path involves systematically shifting profits from volatile equity funds into stable debt funds or liquid instruments over the final 2 to 3 years before your goal date, shielding your accumulated corpus from sudden market corrections.
Investment
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Safe Withdrawal Rate (SWR) for Indian Retirement, Explained
Why lower SWR requires a bigger corpus, the water tank analogy, inflation-adjusted retirement models, and a worked ₹12L cash-flow example.