Goal SIP Calculator
Monthly SIP needed to reach a goal like a child's education or a house, adjusted for inflation.
Monthly SIP needed
—
Goal cost at that time—
Your savings will grow to—
How to use the Goal SIP calculator
- Enter goal cost in today's money, years to goal, inflation, expected return and already saved for it.
- Read the monthly SIP needed at the top of the result, with goal cost at that time, your savings will grow to underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Prices rise, so the goal in rupees will be larger when you get there. This inflates the goal, credits what you have already saved, and finds the monthly SIP for the rest.
Worked example
With goal cost in today's money of ₹25,00,000, years to goal of 12 years, inflation of 6% and expected return of 12%:
| Monthly SIP needed | ₹15,610 |
| Goal cost at that time | ₹50,30,491 |
| Your savings will grow to | ₹0 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
What inflation should I use for education goals?
Education costs in India have historically risen faster than general inflation; 8–10% is a cautious assumption.
What if I can't afford the SIP?
Start lower and use a step-up SIP, extend the timeline, or reduce the goal.