Goal-based Investment Calculator
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Required Monthly Investment
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Total Invested
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Estimated Returns
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Target Amount
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
A goal-based investment calculator works out exactly how much you need to invest monthly to reach a specific financial goal — a child's education, a home down payment, retirement — while giving credit for any amount you've already set aside toward it.
This is the more complete version of a simple SIP-target calculation: real financial goals rarely start from zero, and factoring in existing savings usually lowers the monthly commitment needed.
How This Calculator Works
Your existing lump sum is projected forward on its own to the goal date. Whatever gap remains between that projected value and your target is then solved for as a monthly SIP, using the standard SIP future-value formula in reverse.
Frequently Asked Questions
Why does adding existing savings reduce my required monthly SIP so much?
Because your existing amount also compounds over the full time period. The earlier and larger your existing investment, the more of the goal it does on its own — reducing what your new monthly contributions need to cover.
What if I have multiple financial goals at once?
Run this calculator separately for each goal with its own target amount and time horizon, then add up the required monthly amounts to see your total combined SIP commitment.