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🎯 Goal SIP Calculator
Plan your financial goals with smart SIP investments. Calculate monthly SIP required with inflation adjustment.
⚙️ Goal Details
Live Calculator
₹ 5,00,000
💡 Enter today's cost of your goal
12.00%
💡 Typical equity returns: 10-15%
10 years
💡 Years until you need the money
📊 Your Investment Plan
6% Inflation
💳 Monthly SIP Required
₹ 0
—
💰 Total Investment
₹ 0
—
📈 Expected Returns
₹ 0
—
🎯 Future Goal Value
₹ 0
—
📊 Investment Breakdown
Total Investment
₹ 0
Returns
₹ 0
💡 Note: Calculations assume 6% annual inflation rate to give you a realistic future goal amount.
How Does the Goal SIP Calculator Work?
The Goal SIP Calculator helps you determine how much you need to invest monthly through a Systematic Investment Plan (SIP) to achieve your financial goals.
- Goal Value: Enter the current cost of your goal (e.g., ₹5,00,000 for a car)
- Inflation Adjustment: Automatically adjusts your goal for 6% annual inflation
- Expected Returns: Based on typical equity mutual fund returns (10-15% p.a.)
- Time Horizon: Longer periods mean smaller monthly investments needed
The calculator uses the future value of annuity formula to compute the required monthly SIP amount.
Frequently Asked Questions
❓ What is a Goal-based SIP?
A goal-based SIP is a systematic investment approach where you invest a fixed amount monthly to achieve specific financial goals like buying a house, funding education, or planning retirement.
❓ Why is inflation considered?
Inflation reduces purchasing power over time. What costs ₹5 lakhs today might cost ₹8-9 lakhs in 10 years. This calculator uses 6% annual inflation to ensure your goal amount is realistic.
❓ What should be my expected rate of return?
Equity mutual funds historically return 12-15% annually, while debt funds return 6-8%. For long-term goals (10+ years), 12% is a reasonable assumption for equity investments.
❓ Can I change my SIP amount later?
Yes, most mutual funds allow you to increase or decrease your SIP amount. You can start with what's comfortable and increase it annually (step-up SIP) as your income grows.
Disclaimer: This tool is for informational purposes only and does not constitute financial advice.