गोल एसआईपी कैलकुलेटर
Instead of starting from a monthly amount, this mode starts from your goal. Enter the target corpus you want to reach — for a down payment, a child's education, or retirement — along with your timeline and expected return, and Compoundly works backward to tell you the exact monthly SIP required to get there.
Your Goal
Your Results
How This Calculator Works
Compoundly projects the future value of a Systematic Investment Plan (SIP) using standard compound-interest math — the same approach most mutual fund calculators use.
Monthly amount, expected annual return, and how many years you plan to invest.
Each contribution is added at the start of the month, then grows at your expected rate — compounding every month for the full duration.
Optionally factor in a step-up SIP, fund expense ratio, inflation, and estimated tax to see a more realistic, after-cost picture.
Switch modes to plan toward a goal amount, see the cost of delaying, or compare a lumpsum against a monthly SIP.
Frequently Asked Questions
What if I can't afford the required monthly SIP?
Consider extending your timeline, adjusting the target amount, or starting with a smaller SIP and stepping it up annually as your income grows — the Step-up SIP Calculator can help model that.
Should I include an existing lumpsum in my goal plan?
Yes — if you already have savings set aside, add it as a one-time lumpsum in the inputs. It reduces the remaining gap to your target, which lowers the required monthly SIP.
How is the required monthly SIP calculated?
It works backward from your target amount using the same compounding math as a regular SIP, solving for the monthly contribution instead of the final corpus.
What happens if my expected return is very low?
If your expense ratio fully offsets your expected return, there is no growth to plan around — the calculator will show a clear message instead of a misleading number in that case.