You need a Goal SIP Calculator because it works backwards from your target amount, like ₹1 crore for retirement or ₹25 lakhs for a home down payment, to reveal the exact monthly SIP required, eliminating guesswork on investment size.​

Traditional SIP calculators will show what your fixed monthly amount will grow into. On the other hand, Goal SIPs solve the reverse problem based on your goals. For example, "I have a specific goal and timeline, what SIP do I need?" This ensures you neither under-save (missing goals) nor over-save (tying up excess cash), while accounting for realistic returns based on historical data or advisor guidance.​

It promotes disciplined, purpose-driven investing over random SIP amounts, helping track progress toward life milestones like a child's education, marriage, or financial independence without manual calculations prone to error.

What is the Goal SIP Calculator

A Goal SIP Calculator determines the monthly SIP amount needed to reach a specific financial target (e.g., ₹1 crore for retirement) over a given timeframe at an expected return rate.​

Unlike regular SIP calculators, it works backwards from your goal amount to show the required instalments.​ It's a reverse SIP tool that calculates the exact monthly investment required to achieve your target corpus, factoring in time horizon and expected returns.​​

Why do you need a Goal SIP Calculator?

You know your target (home downpayment, child's education), but struggle to figure out the monthly SIP size, this calculator solves it instantly to bridge the savings gap.​

It aligns investments with real goals, preventing under-saving or over-investing based on historical returns or advisor recommendations.​

How does Goal SIP Calculator help you 

It empowers goal-based planning by revealing affordable SIP sizes and helping you choose funds that match your return expectations.​

Formula (rearranged from SIP FV): 

FV=p X [(1+r)^n -1] X (1+r)

r

P: Required monthly SIP amount

FV: Target future value (your goal)

r: Monthly return rate (annual return / 12 / 100)

n: Investment months (duration × 12)

Example Table (Target ₹5.94 crore in 40 years at 12% return)

Total Invested: ₹24 lakhs | Growth from Returns: ₹5.70 crore ​

How to use the Stockify Goal SIP Calculator

Step 1: Enter your target goal amount (FV)

Enter your financial target, such as a ₹1 crore retirement corpus or a ₹25 lakh home down payment. This is the future value you want to achieve.

Step 2: Specify expected annual return rate

Enter realistic return expectation (8-15% for equity MFs) based on historical data or advisor guidance. Use conservative estimates for safer planning.

Step 3: Select investment duration in years

Choose a time horizon for the goal (5 years for short-term, 15-40 years for retirement). Longer durations require smaller SIPs due to compounding.

Step 4: Click calculate for instant results

Get the required monthly SIP amount, the total amount invested over the tenure, the expected returns, and a complete breakdown of invested vs. growth components.

Advantages of Stockify's Goal SIP Calculator

Some of the advantages of using the Stockify’s Goal SIP Calculator include:

Reverse calculation: 

Start from the goal amount, get the exact SIP needed, no trial-and-error.​ It helps your planning fool-proof for the desired amount of wealth.

Flexible inputs: 

You can test different scenarios with different returns (8-15%) and timelines (10-40 years).​

Quick insights: 

See total invested vs returns to validate fund choices.​

Advisor-friendly: 

The calculator offers flexibility regarding time. Uses historical returns as a benchmark for realistic planning.​