Wealth · Goal planning

SIP Goal Planner

The monthly SIP that turns any life goal into a funded target — compare up to three goals side by side, using the standard SIP future-value formula.

Expected annual return (%)

11% p.a. — equity SIPs typically assume 10–12% pre-tax

Goal 1

Goal nameGoal amount (₹)

₹

Years to goal

12 years

Already saved toward this goal (₹)

₹

Monthly SIP needed

₹16,844

After ₹0 grows to ₹0 at 11%

Total to invest (SIP)₹24.26 L

Expected returns₹25.74 L

Corpus at goal date₹50.00 L

Invested vs returns100% funded

invested returns

Goal fully funded at the assumed return rate.

Formula

FV of existing savings = existing × (1 + r)^years; monthly SIP = remaining ÷ [((1 + r/12)^n×12 − 1) ÷ (r/12)], the standard SEBI/AMFI SIP future-value formula. Mutual fund returns are market-linked and not guaranteed — this is a planning tool, not tax advice.

This tool is informational. Consult a SEBI-registered investment adviser for personalised advice.

Hub Guide · Wealth Structuring

Go deeper — the Wealth Structuring hub

SIP planning is the first step — the wealth hub covers the full picture: trust vs HUF structuring, FEMA repatriation, Schedule FA reporting, and the SEBI accredited-investor route.

Open the guide →