Tell us your target — ₹1 crore, retirement corpus, child's education fund. We calculate the exact monthly SIP you need. Compare fixed SIP vs step-up SIP to see how increasing annually cuts your starting burden.
Most Indians invest what they can afford and hope for the best. Goal-based investing reverses this: define exactly what you need (₹1 crore for retirement, ₹60 lakhs for a child's education), when you need it, and calculate the precise monthly SIP required. This turns vague financial hopes into concrete, actionable monthly targets.
At 12% annual return you need approximately ₹43,470/month. For 15 years at 12% it drops to ₹21,925/month. For 20 years at 12%, just ₹8,700/month. The longer your horizon, the lower your required SIP.
A step-up SIP increases your SIP by a fixed % every year (e.g. 10%). Because you invest more as your income grows, you need 30-40% less starting SIP to reach the same goal compared to a fixed SIP. Ideal for salaried professionals expecting annual hikes.
Use 10-11% for large-cap/index funds (conservative), 12-13% for flexi-cap (moderate), 13-15% for mid-cap (aggressive). Always plan conservatively — if actual returns are higher, you'll reach your goal early.
Yes. ₹1 crore today will be worth ~₹55 lakhs in real terms after 15 years at 6% inflation. For retirement and education goals, always inflate your current target by expected inflation × years.
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