What's your money goal?
Pick a preset or set your own target - we'll work out the monthly SIP you need, so you can stop guessing and start investing.
Monthly investment
You'll invest
Returns generate
Goal
₹75,00,000
- Your contribution₹26,75,51435.7%
- Returns generated₹48,24,48664.3%
The compounding split
The longer your horizon, the smaller your contribution needs to be - compounding does the heavy lifting.
Action plan
Set up a SIP of ₹14,864/month - that's roughly ₹495/day.
Annual outflow
You'll be putting aside ₹1.78 L every year for 15 years.
Halfway point
By year 8, your portfolio is projected to be around ₹24.01 L.
Step-up tip
Increasing your SIP by 10% every year (a step-up SIP) often outperforms a flat SIP - and matches salary growth.
Most calculators ask: "If I invest ₹X per month, how much will I have?" Goal planning flips it: "I want ₹X by year Y - what should I invest each month?"
Under the hood, we use the same compounding formula but solve for the monthly contribution. The longer your time horizon, the smaller your monthly amount needs to be - that's the magic of time × compounding.
Choose your return rate carefully. For long-horizon goals (10+ years), 11–12% is reasonable for equity. For shorter goals (under 3 years), stick to 6–7% (debt funds / FDs) - equity volatility can hurt you near the deadline.