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.
Ye aapki apni assumption hai, koi promise nahi. 8%, 10%, 12% aur 14% sirf neutral illustrative bands ke taur par diye gaye hain, ya Custom chunkar apni rate bhariye.
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.
₹10,00,000 ke target tak 10 saal mein pahunchne ke liye, 12% assumed annual return par — calculation ke hisaab se monthly amount ₹4,304 hai, jisme total invested ₹5,16,487 hoga. Yeh aapke assumptions ka mathematical illustration hai, koi suggested investment amount nahi.
Return ya period badal ke dekhiye ki calculated monthly amount kaise change hoti hai — agar target amount kisi future cost par based hai, toh pehle Inflation Calculator se check karein.
Learn about this calculator
Ek target amount se backward kaam karta hai, chune gaye return aur time period ke tehat wahan tak pahunchne wali level monthly SIP calculate karta hai.
Monthly amount se start karke forward project karne ke bajaye, yeh calculator us target amount se start hota hai jise aap paana chahte hain aur wahan tak pahunchne wali level monthly SIP calculate karta hai — SIP calculator ka ulta.
Yeh kaise kaam karta hai
Yeh SIP calculator dwara use ki gayi wahi compounding formula ko invert karta hai, yeh maante hue ki aapke dwara entered return poore period mein har month evenly apply hota hai.
Har input ka matlab kya hai
- Target amount
- Woh amount jo aap period ke end mein chahte hain.
- Expected annual return
- Illustration ke liye aapke dwara chuni gayi assumption — koi promised return nahi.
- Investment period (years)
- Target tak pahunchne ke liye aapke paas kitne saal hain.
- Contribution timing
- Kya har month ki instalment month ki start mein maani jaaye ya end mein.
Results ka matlab kya hai
- Required monthly SIP
- In assumptions ke tehat target tak pahunchne ke liye calculation dwara dikhayi gayi level monthly amount.
- Total invested over the period
- Us calculated amount par har monthly instalment ka total.
Assumptions
- Annual return poore period mein har month evenly apply hota hai — real returns fluctuate karte hain.
- Monthly amount poore period ke liye bilkul level rehti hai; yeh kabhi badhti ya adjust nahi hoti.
Limitations
- Yeh calculator aapki income, expenses, dusre goals, ya risk appetite nahi jaanta — yeh sirf entered numbers se mathematically backward kaam karta hai.
- Agar actual return achieve kiya gaya assumption se alag hai, toh actually target tak pahunchne wali amount is calculation se alag hogi.
Aam galtiyan
- Calculated monthly amount ko invest karne ke liye ek recommendation maan lena, na ki "agar return exactly X% hai toh" ka mathematical answer.
- Target amount ko inflation ke liye adjust na karna jab yeh kisi future cost ko represent karti hai.
Udaharan
Jaise, 10 saal mein ₹10 lakh ka target, 12% assumed annual return par, lagbhag ₹4,300 per month calculate karta hai.
FAQ
Kya yahan dikhayi gayi monthly SIP amount mere target tak pahunchne ki guarantee deti hai?
Nahi. Yeh sirf tabhi sach hai jab entered return poore period mein har month evenly apply ho — real returns market-linked hain aur target tak pahunchna kabhi guaranteed nahi hai.
Kya yeh mere liye invest karne ki sahi monthly amount hai?
Nahi — yeh calculator kisi investment amount ki recommendation nahi karta aur aapki income, expenses, ya dusre goals nahi jaanta.
Ulti direction mein jaane ke liye SIP Calculator dekhein: monthly amount se projected future value tak.
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.