Required SIP Calculator
Work backward from a target amount to see what monthly SIP it would take to reach it, under an assumed annual return and time period. This is an illustration based on your own assumptions, not a forecast or a recommendation.
Your goal
Adjust the amounts below to see how the required SIP changes.
In rupees — the amount you want to have at the end of the period.
Not a guarantee — pick a neutral illustrative band or enter your own assumption.
Your estimate
To reach a target of ₹10,00,000 in 10 years, at an assumed 12% annual return, invested at the start of each month, this works out to an estimated ₹4,304 per month. This is an illustration of your own assumptions, not a recommended investment amount.
To reach a target of ₹10,00,000 in 10 years, at an assumed 12% annual return — the calculation shows a monthly amount of ₹4,304, with total invested of ₹5,16,487 over the period. This is a mathematical illustration of your assumptions, not a suggested investment amount.
Try changing the return assumption or period to see how the calculated monthly amount changes — if the target is based on a future cost, check the Inflation Calculator first to project that cost forward.
Learn about this calculator
Works backward from a target amount to the level monthly SIP that would reach it, under a chosen return and time period.
Instead of starting from a monthly amount and projecting forward, this calculator starts from a target amount you want to reach and calculates the level monthly SIP that would get there — the reverse of the SIP calculator.
How it works
It inverts the same compounding formula the SIP calculator uses, assuming the return you enter applies evenly every month for the whole period, with contributions invested at the start of each month by default.
What each input means
- Target amount
- The amount you want to have at the end of the period.
- Expected annual return
- An assumption you choose for illustration — not a promised return.
- Investment period (years)
- How many years you have to reach the target.
- Contribution timing
- Whether each month's instalment is assumed to be invested at the start or end of that month.
What the results mean
- Required monthly SIP
- The level monthly amount the calculation shows for reaching the target under these assumptions.
- Total invested over the period
- The sum of every monthly instalment at that calculated amount.
Assumptions
- The annual return applies evenly, every month, for the whole period — actual returns fluctuate.
- The monthly amount stays exactly level for the whole period; it never rises or is adjusted.
Limitations
- This calculator does not know your income, expenses, other goals, or risk appetite — it only works backward mathematically from the numbers entered.
- If the actual return achieved differs from the assumption, the amount that would actually reach the target will differ from this calculation.
Common mistakes
- Treating the calculated monthly amount as a recommendation for what to invest, rather than one mathematical answer to "what if the return is exactly X%".
- Not adjusting the target amount for inflation when it represents a future cost (see the Inflation Calculator for that step).
Example
For example, a target of ₹10 lakh in 10 years, at an assumed 12% annual return, calculates to roughly ₹4,300 per month invested at the start of each month.
FAQ
Is the monthly SIP amount shown here guaranteed to reach my target?
No. It only holds if the return entered applies evenly every month for the whole period — actual returns are market-linked and reaching a target is never guaranteed.
Is this the right monthly amount for me to invest?
No — this calculator does not recommend an investment amount and doesn't know your income, expenses, or other goals.
See the SIP Calculator to go the other direction: from a monthly amount to a projected future value.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.