"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Find the monthly SIP needed to reach a future financial target.
Nina needs ₹50 lakh in 10 years for her education fund and expects 12% annual returns. The calculator shows a required SIP of about ₹21,500 a month. Extending the horizon to 12 years lowers the monthly SIP to roughly ₹15,500, making the plan easier to sustain.
Uses monthly compounding based on the expected annual return and investment period. Contributions are assumed to be made at the beginning of each month.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
Goal-based investing starts with the destination. Whether it is a house down payment (₹50L in 5 years), child education (₹1Cr in 15 years), or retirement (₹5Cr in 25 years), knowing the required monthly SIP turns a wish into a plan. If the required SIP exceeds your capacity, you can adjust the goal (extend timeline, reduce target), increase income, or accept higher risk — all informed choices rather than guesses.
Using an optimistic return assumption (15%+) — if markets deliver 10%, you fall short. Not accounting for inflation in the target — ₹1 crore in 15 years buys what ₹35 lakh buys today at 7% inflation. Setting a monthly SIP that strains cash flow — unsustainable SIPs get stopped. Not building in a buffer for life events (job loss, health, family).
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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