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Wealth & Planning

Target Goal & Reverse SIP

Calculate the exact monthly SIP required to reach any target financial milestone on time.

  • Runs entirely in your browser
  • No sign-up, nothing stored
  • Formula explained below

Define your goal

Home, education, car or wedding — set the cost and the date.

₹
₹50K₹2Cr
yrs
1 yrs35 yrs
%
4%25%
%
1%15%
A goal that costs ₹50,00,000 today will cost ₹89,54,238 in 10 years at 6% inflation.
Monthly SIP needed
₹38,540

Invest this every month for 10 years at 12% to build ₹89,54,238 — what ₹50,00,000 will cost after 6% yearly inflation.

Goal in 10 yrs
₹89,54,238
You invest
₹46,24,743
Est. returns
₹43,29,495
  • Invested52%
  • Returns48%

Your path to the goal

Projected value at the end of each year with the required SIP. The line marks your ₹89,54,238 goal.

  • Invested
  • Returns
Your own savings fund 52% of this goal
Over 10 years, compounding has limited time to work. A longer horizon or a higher expected return lowers the monthly SIP — see the grid below.
Lump sum today
₹28,83,025
Lump-sum alternative, compounded yearly
Goal in today's money
₹50,00,000
What it would cost now
Inflation adds
₹39,54,238
6% a year for 10 years
Halfway point
Year 7
57% of the goal reached

SIP or one-time investment

How much of your own money each route needs to reach the same goal.

The lump sum needs less money in total because all of it compounds from day one.

Monthly SIP needed: return vs. time

For a goal costing ₹50,00,000 today, grown at 6% inflation. Each cell is the monthly SIP needed.

Return ↓ · Years →5y10y15y20y25y30y
8%
10%
12%
14%
16%
₹3,237
₹90,461
Return 12% · Years 10y → ₹38,540

Year-by-year goal roadmap

What you will have invested and accumulated at the end of each year.

YearInvestedReturnsPortfolio valueGoal progress
Year 1₹4,62,474₹31,191₹4,93,6656%
Year 2₹9,24,949₹1,24,991₹10,49,94012%
Year 3₹13,87,423₹2,89,341₹16,76,76419%
Year 4₹18,49,897₹5,33,188₹23,83,08527%
Year 5₹23,12,372₹8,66,614₹31,78,98636%
Year 6₹27,74,846₹13,00,980₹40,75,82646%
Year 7₹32,37,320₹18,49,088₹50,86,40857%
Year 8₹36,99,795₹25,25,363₹62,25,15870%
Year 9₹41,62,269₹33,46,060₹75,08,32984%
Year 10₹46,24,743₹43,29,495₹89,54,238100%
10 years · goal ₹89,54,238Highlighted: halfway in year 7

What is a reverse SIP?

A regular SIP calculator asks how much you can invest. A reverse SIP calculator turns the question around: what is your goal, and when do you need the money? It works out the monthly amount needed to reach that milestone on time, assuming the expected return holds.

SIP = FV × i ÷ { [ (1 + i)ⁿ − 1 ] × (1 + i) }
FV
Goal at the target date = today's cost × (1 + inflation)ᵗ
i
Monthly rate = annual return ÷ 12 ÷ 100
n
Number of monthly instalments (years × 12)
t
Years until you need the money
Why adjust the goal for inflation?
Prices rise every year, so a goal that costs a certain amount today will cost more when you actually pay for it. Planning for the inflated amount keeps the target realistic.
What does the one-time investment show?
It is the single amount you would need to invest today, compounding yearly at the expected return, to reach the same goal. It needs less money in total than the SIP because every rupee compounds for the full period.
Is the required SIP guaranteed to reach the goal?
No. It assumes the expected return is earned every year. Market-linked returns vary, so use a conservative rate and review your progress against the roadmap above.

Keep planning

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Calculate the inflation-adjusted retirement corpus and monthly SIP required to achieve financial independence.