Goal SIP calculator
Enter what your goal costs today and when you need it. See the monthly SIP that gets you there, after inflation.
- Inflation included
- Savings you have counted
- Free, no sign-up
Make it tax-efficient
Where you invest changes how much tax you pay on the growth. Our experts fit your goals into your tax plan.
Questions people often ask
Do SIPs save tax?
Only ELSS funds count for 80C, in the old regime, up to ₹1.5 lakh a year with other 80C items.
How are equity fund gains taxed?
Held over a year: 12.5% on gains above ₹1.25 lakh a year. Under a year: 20%.
How the SIP is worked out
Three steps.
- Grow the cost by inflation to the year you need it.
- Subtract what your savings will grow to.
- Find the SIP that grows to the rest.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
How is the SIP for a goal worked out?
First, today's cost is grown by inflation to the year you need it. Then the SIP is the monthly amount, invested at the start of each month, that grows to that sum at your expected return.
Why include inflation?
Prices rise. A goal costing ₹20 lakh today costs about ₹35.8 lakh in 10 years at 6% inflation.
How much SIP for ₹20 lakh in 10 years?
At 6% inflation and a 12% return, about ₹15,416 a month.
What does a step-up do?
Raising the SIP each year, say with your salary hike, lets you start with a smaller amount.
What return should I assume?
That's your choice; returns aren't guaranteed. Try a cautious rate to see the SIP you'd need if markets disappoint.
