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Plan your target corpus, required SIP, projected wealth, and year-wise goal path.
Set your target and plan — results update instantly.
What you want to reach
Already invested today
Your current SIP
Assumed, not guaranteed
120 months
Raise SIP each year (optional)
Reference only — future buying power
SIP timing
Your current plan is on track. Keep investing consistently and review yearly.
Every chart is built from the same projection, so totals always match the cards and table.
Of the projected corpus
Are you ahead of the target pace?
Where you stand
How the corpus builds
To reach ₹25,00,000 in 10 years with a 5% yearly step-up, start with about ₹6,668 per month.
Required SIP
₹6,668/mo
Your SIP
₹15,000/mo
Headroom
₹8,332/mo
Current corpus FV
₹6,60,077
Estimate only — actual returns are not guaranteed.
Projected corpus vs target pace over 10 years.
| Year | Annual inv. | Total invested | Projected | Target pace | Gap/surplus | Status |
|---|---|---|---|---|---|---|
| Year 1 | ₹1,80,000 | ₹3,80,000 | ₹4,15,603 | ₹4,30,000 | -₹14k | Behind |
| Year 2 | ₹1,89,000 | ₹5,69,000 | ₹6,68,061 | ₹6,60,000 | +₹8k | On track |
| Year 3 | ₹1,98,450 | ₹7,67,450 | ₹9,62,525 | ₹8,90,000 | +₹73k | On track |
| Year 4 | ₹2,08,373 | ₹9,75,823 | ₹13,04,820 | ₹11,20,000 | +₹1.8L | On track |
| Year 5 | ₹2,18,791 | ₹11,94,614 | ₹17,01,539 | ₹13,50,000 | +₹3.5L | On track |
| Year 6 | ₹2,29,731 | ₹14,24,344 | ₹21,60,134 | ₹15,80,000 | +₹5.8L | On track |
| Year 7 | ₹2,41,217 | ₹16,65,562 | ₹26,89,029 | ₹18,10,000 | +₹8.8L | On track |
| Year 8 | ₹2,53,278 | ₹19,18,840 | ₹32,97,749 | ₹20,40,000 | +₹12.6L | On track |
| Year 9 | ₹2,65,942 | ₹21,84,782 | ₹39,97,053 | ₹22,70,000 | +₹17.3L | On track |
| Year 10 | ₹2,79,239 | ₹24,64,021 | ₹47,99,101 | ₹25,00,000 | +₹23.0L | On track |
A tool that turns a target corpus and deadline into a clear monthly SIP plan, and shows whether your current investments are on track to get there.
Grow your current corpus to maturity, subtract it from the target, then divide the remaining amount by the future-value factor of a ₹1 monthly SIP at your assumed return, duration, timing and step-up.
Existing investments keep compounding, so a larger current corpus means a smaller monthly SIP is needed to reach the same target.
Raising your SIP a little each year lets you start lower and still reach the goal, since later contributions are larger and your income usually grows too.
More years give compounding more time, so the required monthly amount drops sharply as the horizon lengthens.
A higher assumed return raises the projection, but real returns are uncertain — use a realistic, slightly conservative figure for safer planning.
It is what your target may need to become in future rupees to keep the same buying power. Use it as a reference, or plan directly against it.
Markets fluctuate; the calculator assumes a steady return for simplicity, but actual year-to-year results will vary.
Track whether your projected corpus stays ahead of the target pace each year, and adjust your SIP, step-up or horizon if it falls behind.
It is a planning tool that works out how much you need to invest each month to reach a target corpus by a chosen date, and shows whether your current plan is on track.
It grows your current corpus to maturity, subtracts that from the target, then divides the remaining amount by the future-value factor of a ₹1 monthly SIP (accounting for your return, duration, SIP timing and any yearly step-up).
The total amount you want to have accumulated by the end of your time horizon — for example a retirement fund, a house down-payment or a child’s education fund.
Money you have already invested keeps compounding, so it reduces how much you still need to contribute every month to reach the same target.
A yearly step-up raises your monthly investment by a fixed percentage each year — usually in line with income growth — which lowers the starting amount you need and builds the corpus faster.
Inflation is shown as a reference: what your target may need to become in future buying-power terms. You can keep it as a reference only, or choose to plan against the inflation-adjusted target.
The estimated future value of your current corpus plus all your monthly investments, grown at the assumed annual return.
The shortfall between your projected corpus and your target — the amount your current plan is estimated to fall short by.
The amount by which your projected corpus is estimated to exceed your target at the assumed return.
No. Returns are market-linked and not guaranteed. The projections use the return you assume and will differ from real outcomes.
Yes. It is built around monthly SIPs with optional yearly step-up, so you can plan exactly how much to invest toward a goal.
Yes. Set your retirement corpus as the target and your years to retirement as the horizon; the inflation reference helps you size the goal in future terms.
Actual results vary with market returns, fund performance, fees, taxes, inflation, the timing of your investments and changes you make along the way.
No. It shows pre-tax, pre-fee estimates. Enter a return net of expenses if you want to account for them, and remember taxes will reduce real outcomes.
Disclaimer: This investment goal calculator provides estimates only. Investment returns are not guaranteed and may vary based on market performance, fund category, expense ratio, taxes, inflation, contribution timing, and other factors. This tool is for educational planning only and should not be treated as financial advice.