Reverse SIP Calculator
How Much SIP Do I Need?
Start with your goal — retirement corpus, child's education, home down payment — and we calculate the exact monthly SIP required.
Common Goals
Your Goal
Can you Step-Up yearly?
Increase SIP each year — reduces starting SIP needed
Inflation-Adjust Goal
Target in today's money — we scale it for inflation
Retirement Corpus
Required monthly SIP
—
to reach your goal
Target Year
—
Inflation-adj. Goal
—
Required SIP at Different Returns
Smart Insight
—
Projected Growth to Goal
Year-by-Year Accumulation
| Year | Monthly SIP | Invested | Corpus | % of Goal |
|---|
How the Goal Calculator Works
The Formula
We reverse the SIP formula: SIP = Goal × r / [(1+r)ⁿ − 1] / (1+r) where r is monthly rate and n is months.
Step-Up SIP Estimation
With Step-Up enabled, we iteratively solve for the starting SIP that, when increased annually by your chosen rate, reaches your goal — it can significantly reduce the initial SIP needed.