Goal SIP Calculator
లక్ష్య సిప్ కాలిక్యులేటర్
How much to invest each month, or once today, to reach ₹1 crore or any target by the age you choose.
₹1 కోటి లేదా ఏ లక్ష్యానికైనా నెలకు ఎంత సిప్ చేయాలి, లేదా ఇప్పుడు ఒకేసారి ఎంత పెట్టాలి.
Your result
Monthly SIP needed నెలవారీ సిప్
2.83 thousand rupees a month
- Or once, todayఒకేసారి ఇప్పుడు
- ₹2,78,167
- Earning 12% ÷ 12 a month, as the SIP does
- You invest in allమొత్తం పెట్టుబడి
- ₹10,19,855
- Returnsరాబడి
- ₹89,80,145
- In today's money (6% inflation)నేటి విలువ
- ₹17,41,101
The target is before tax, due on the gains when you sell: aim a little higher. Equity funds (at least 65% in Indian shares): gains on units held up to 12 months are taxed at 20%; after that, 12.5% on your total long-term gains above ₹1.25 lakh in a year, plus 4% cess. Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate.
Year by year ఏడాదివారీగా
- Invested
- Returns
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Age | Invested | Value |
|---|---|---|
| 31 | ₹33,995 | ₹36,288 |
| 32 | ₹67,990 | ₹77,178 |
| 33 | ₹1,01,985 | ₹1,23,254 |
| 34 | ₹1,35,981 | ₹1,75,174 |
| 35 | ₹1,69,976 | ₹2,33,678 |
| 36 | ₹2,03,971 | ₹2,99,602 |
| 37 | ₹2,37,966 | ₹3,73,887 |
| 38 | ₹2,71,961 | ₹4,57,594 |
| 39 | ₹3,05,956 | ₹5,51,916 |
| 40 | ₹3,39,952 | ₹6,58,200 |
| 41 | ₹3,73,947 | ₹7,77,965 |
| 42 | ₹4,07,942 | ₹9,12,918 |
| 43 | ₹4,41,937 | ₹10,64,987 |
| 44 | ₹4,75,932 | ₹12,36,342 |
| 45 | ₹5,09,927 | ₹14,29,429 |
| 46 | ₹5,43,923 | ₹16,47,004 |
| 47 | ₹5,77,918 | ₹18,92,173 |
| 48 | ₹6,11,913 | ₹21,68,436 |
| 49 | ₹6,45,908 | ₹24,79,736 |
| 50 | ₹6,79,903 | ₹28,30,517 |
| 51 | ₹7,13,898 | ₹32,25,785 |
| 52 | ₹7,47,894 | ₹36,71,183 |
| 53 | ₹7,81,889 | ₹41,73,069 |
| 54 | ₹8,15,884 | ₹47,38,606 |
| 55 | ₹8,49,879 | ₹53,75,868 |
| 56 | ₹8,83,874 | ₹60,93,951 |
| 57 | ₹9,17,869 | ₹69,03,104 |
| 58 | ₹9,51,865 | ₹78,14,878 |
| 59 | ₹9,85,860 | ₹88,42,289 |
| 60 | ₹10,19,855 | ₹1,00,00,000 |
Last updated : the tax on equity fund gains: 12.5% above ₹1,25,000 a year after 12 months, 20% before. Check with a tax adviser or the income tax portal before you file.
How much SIP you need for a goal
The calculator runs an SIP backwards. With a target T, a monthly rate i (yearly return ÷ 12 ÷ 100) and n monthly instalments, each paid at the start of the month:
SIP = T ÷ [((1 + i) n − 1) ÷ i × (1 + i)]
Example: to have ₹1,00,00,000 at 60, starting at 30 and expecting 12% a year, invest ₹2,833 a month for 30 years. You put in ₹10,19,855; returns make up the other ₹89,80,145. Or invest ₹2,78,167 once, today.
SIP for ₹1 crore in 5, 10, 15 or 20 years
At 12% a year, ₹1 crore in 10 years needs ₹43,041 a month; in 15 years, ₹19,819; in 20 years, ₹10,009. The sooner you start, the less you put in yourself.
| In | SIP a month | First SIP, raised 10% a year | Or once, today |
|---|---|---|---|
| 5 years | ₹1,21,232 | ₹1,01,567 | ₹55,04,496 |
| 7 years | ₹75,770 | ₹58,496 | ₹43,35,155 |
| 10 years | ₹43,041 | ₹29,636 | ₹30,29,948 |
| 15 years | ₹19,819 | ₹11,516 | ₹16,67,834 |
| 20 years | ₹10,009 | ₹5,028 | ₹9,18,058 |
| 25 years | ₹5,270 | ₹2,339 | ₹5,05,345 |
| 30 years | ₹2,833 | ₹1,132 | ₹2,78,167 |
For ₹1 crore at 60, count the years from your age now: 30 years from 30, 20 from 40. Any other target scales in proportion: ₹50 lakh needs half the SIP.
Good to know
- A yearly step-up lowers the start: raising the SIP by 10% every year, ₹1,132 a month is enough to begin with for the same ₹1,00,00,000 in 30 years.
- Money loses value: at 6% inflation, ₹1,00,00,000 in 30 years buys what ₹17,41,101 buys today. For a goal in today's money, raise the target (the inflation calculator works it out).
- The return is an assumption. Market-linked funds go up and down; a lower rate (8% or 10%) gives a safer estimate, and moving to safer investments in the last few years protects what you have built.
- The target is before tax, due on the gains when you sell. In an equity fund, gains on units held over 12 months are taxed at 12.5% above ₹1.25 lakh a year, plus 4% cess (20% within 12 months); a debt fund's are taxed at your slab rate. Aim a little above what you need.
Questions
How do I plan a goal with inflation?
Put the goal in future money first: what costs ₹50,00,000 today will cost about ₹1,60,35,677 in 20 years at 6% inflation (the inflation calculator's "Future cost"). Enter that as the amount you want.
Why is the one-time amount less than the lumpsum calculator says?
Here every rupee grows the same way: the SIP, the one-time amount and what you have already saved all earn the yearly return ÷ 12 every month, so 12% works out to 12.68% a year. The lumpsum calculator adds 12% once a year; enter 12.68% there to get about the same answer.
What if I have already saved something?
Enter it under "Already saved": it grows at the same return until the goal, and the SIP only makes up the rest. If it grows past the target on its own, no SIP is needed.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
