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About this tool
Monthly SIP needed to reach a target corpus by a target date, with lumpsum, annual step-up and inflation adjustment.
Most SIP calculators start from an instalment and tell you what it grows into. This one works backwards: you name the corpus you need and the date you need it, and it solves for the monthly SIP that gets you there. It accounts for money you have already invested, an annual step-up as your income grows, and inflation on the goal itself — because a ₹50 lakh target twelve years away is not ₹50 lakh in today's money.
Open Goal Based SIP Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Inverts the SIP future-value formula instead of making you guess and check.
Grows your existing corpus at the same return and subtracts it from the target.
Models an annual increase in the SIP amount, which usually cuts the starting instalment by 25-35%.
By inverting the future value of an annuity: FV = P × [((1+i)^n − 1) / i] × (1+i), where i is the monthly return and n the number of instalments. The calculator computes the growth factor for a ₹1 SIP, subtracts the future value of any lumpsum from your target, and divides.
Long-run assumptions commonly used in India are around 10-12% a year for diversified equity funds, 8-10% for hybrid or balanced advantage funds and 6-7% for debt funds. Returns are not guaranteed and shorter goals should use more conservative figures.
Yes, for anything more than a few years away. A ₹25 lakh goal at 6% inflation becomes about ₹44.8 lakh in 10 years; education costs are often modelled at 8-10%. Turn on inflation adjustment so the SIP targets tomorrow's price, not today's.
Considerably. Because the later instalments are larger but still get years of compounding, a 10% annual step-up typically lets you start roughly 30% lower than a flat SIP for the same target and date. This is informational content, not investment advice.
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