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Savings Goal Calculator
Find the monthly saving to reach a target amount.

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%
Monthly SIP Needed
₹9,909/mo
To reach ₹50,00,000 in 15 years
Goal’s Future Cost
₹50,00,000
In today’s money
Or One-time Today
₹9,13,481
Lump sum instead of monthly
Total You’ll Invest
₹17,83,676
Across the whole period
Your Plan vs the Goal
Invested vs Value
₹0₹13.12L₹26.25L₹39.37L₹52.5L0y3y6y9y12y15yYear 0 · ₹0Invested ₹0
Plan ValueMoney Invested

Reaching ₹50L needs about ₹10K/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
₹5K/mo
₹5K/mo less
Earn 2% more14%
₹8K/mo
₹2K/mo less
Earn 2% less10%
₹12K/mo
₹2K/mo more
Bigger goal (+₹10 L)₹60L
₹12K/mo
₹2K/mo more
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AI Insights

DhanRadar AI

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

At your assumed 12% return, a one-time ₹9.13L today would also reach this goal instead of the monthly SIP.

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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Related Calculators

Goal SIP Calculator
Find the monthly SIP to reach a goal — adjusted for inflation.
SIP Calculator
See how your monthly investment grows into wealth over time.
Monthly SIP₹10K/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.