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Goal SIP Calculator
Find the monthly SIP to reach a goal — adjusted for inflation.

Your Goal

Drag the sliders — the monthly SIP updates instantly.

Goal Amount (today’s cost)How much the goal costs in today’s money
₹1,00,000₹5,00,00,000
Investment PeriodHow many years you stay invested
1 yr40 yrs
Expected Annual GrowthThe average yearly return you assume — your choice, not a DhanRadar prediction
1%30%
InflationHow fast the goal’s cost rises each year
0%12%
Monthly SIP Needed
₹23,748/mo
To reach ₹1,19,82,791 in 15 years
Goal’s Future Cost
₹1,19,82,791
6% inflation on ₹50L
Or One-time Today
₹21,89,211
Lump sum instead of monthly
Total You’ll Invest
₹42,74,683
Across the whole period
Your Plan vs the Goal
Invested vs Value
₹0₹31.45L₹62.91L₹94.36L₹1.26Cr0y3y6y9y12y15yYear 0 · ₹0Invested ₹0
Plan ValueMoney Invested

Reaching ₹1.2Cr needs about ₹24K/month at your assumed 12% return. Returns vary year to year, so treat this as a guide and revisit it.

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What If…

What lowers the monthly SIP
Invest 5 years longer20 yrs
₹16K/mo
₹8K/mo less
Earn 2% more14%
₹20K/mo
₹4K/mo less
Earn 2% less10%
₹29K/mo
₹5K/mo more
Inflation 2% lower4%
₹18K/mo
₹6K/mo less
Bigger goal (+₹10 L)₹60L
₹28K/mo
₹5K/mo more
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AI Insights

DhanRadar AI

Investing 5 more years drops the monthly SIP to about ₹16K — time does most of the heavy lifting.

At your assumed 12% return, a one-time ₹21.89L today would also reach this goal instead of the monthly SIP.

6% inflation turns today's ₹50L goal into ₹1.2Cr by then — that future cost is what you're really saving for.

For education only — not investment advice. These figures illustrate how your own inputs change the saving needed; they are not recommendations to buy, sell, or hold any fund. Estimates assume a constant annual return, which real markets do not provide.

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Monthly SIP₹24K/mo

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.