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Investment Goal Planner Calculator
Find the SIP or lumpsum needed to reach your financial goal.
Goal Planner
Find out how much you need to invest to reach your financial goal
Monthly SIP Needed
$9,909
Lumpsum Needed Today
$913,481
Total SIP Outflow
$1,783,676
Growth Over Time
Growth to Goal
Invested
Working backwards from a target amount, this calculator tells you the monthly SIP or lumpsum needed today to reach your financial goal — whether it's retirement, a house, or your child's education. Set a target corpus, expected return, and time horizon to get a clear savings roadmap.
Frequently Asked Questions
How do I calculate the SIP needed for my goal?
Enter your target corpus, expected annual return, and investment horizon. The calculator works backwards using the future value of an annuity formula to determine the monthly SIP amount required. You can also see the lumpsum alternative.
What return rate should I assume for goal planning?
For equity mutual funds, 10–12% is a commonly used long-term assumption. For debt funds or fixed deposits, 6–8% is more realistic. Conservative estimates help avoid shortfalls — it's better to overshoot your goal than fall short.
Can I plan for multiple financial goals at once?
Yes — run this calculator separately for each goal (retirement, house, education, etc.) and sum up the required monthly SIPs. Many investors use a separate SIP for each goal to track progress independently.