Goal SIP Calculator
Start from the number you need and the date you need it by. This works out the monthly investment that gets there, at whatever return you assume.
What you enter
- Target amount
- Time period
- Expected annual return — Yours to choose. Sansara does not suggest a rate — the number you pick decides everything below it.
- Already saved towards this
What it tells you
- Monthly investment needed
- What your existing savings become
- Total you will have put in
How this is worked out
The target is reduced by what your existing savings compound to, and the remainder is divided by the future value of a ₹1 monthly annuity over the period.
What it cannot know
- This is arithmetic on the numbers you entered — not a forecast, not a promise, and not a view on any fund or stock.
- Real returns vary year to year and can be negative. A single average rate cannot show that.
- Taxes, exit loads, fund expenses and inflation are not applied unless a field above asks for them.
- A goal in fifteen years costs far less per month than the same goal in five. The period matters more than almost anything else on this page.
Questions
What if the monthly amount is more than I can afford?
Then the arithmetic is telling you something useful: either the horizon needs to be longer, or the target needs to be smaller. It is not telling you to assume a higher return to make the number fit.
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Sansara is not a SEBI-registered investment adviser or research analyst. This page performs arithmetic on numbers you enter and does not recommend any security, scheme or course of action.