SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Goal Planning Calculator
Inflate any financial goal to its future cost, project what you have already saved, and estimate the monthly investment required to close the gap.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹50,00050 Lakh₹10,00,00,000
140
015
130
Returns are not guaranteed.
₹05 Lakh₹5,00,00,000
₹0₹5,00,000
Any SIP already running towards this goal.
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated monthly investment required
₹31,856
To close the projected shortfall of ₹74,01,314 over 10 years, in addition to what you are already doing.
Future cost of this goal
₹89,54,238
After inflation, at the time the money is needed
Projected from what you have
₹15,52,924
17% of the future cost
Projected shortfall
₹74,01,314
Amount still to be provided for
Or a one-time investment of
₹23,83,025
Invested today instead of monthly
Projected funding of this goal
17%Existing savings and investments are projected to cover 17% of the future cost. The remainder is the shortfall shown above.
Your investments against the rising cost
The dashed line is the cost of the goal, rising with inflation. The solid line is the projected value of your savings and investments, including the monthly figure suggested above.
Year-by-year projection
| Year | Total invested | Estimated growth | Projected value | Cost of the goal |
|---|---|---|---|---|
| 1 | ₹8,82,268 | ₹85,782 | ₹9,68,050 | ₹53,00,000 |
| 2 | ₹12,64,536 | ₹2,30,514 | ₹14,95,050 | ₹56,18,000 |
| 3 | ₹16,46,804 | ₹4,41,625 | ₹20,88,429 | ₹59,55,080 |
| 4 | ₹20,29,072 | ₹7,27,477 | ₹27,56,549 | ₹63,12,385 |
| 5 | ₹24,11,340 | ₹10,97,489 | ₹35,08,829 | ₹66,91,128 |
| 6 | ₹27,93,607 | ₹15,62,264 | ₹43,55,871 | ₹70,92,596 |
| 7 | ₹31,75,875 | ₹21,33,743 | ₹53,09,619 | ₹75,18,151 |
| 8 | ₹35,58,143 | ₹28,25,373 | ₹63,83,517 | ₹79,69,240 |
| 9 | ₹39,40,411 | ₹36,52,295 | ₹75,92,706 | ₹84,47,395 |
| 10 | ₹43,22,679 | ₹46,31,559 | ₹89,54,238 | ₹89,54,238 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Inflation applied to the goal
- 6%
- Different goals inflate at different rates. Property, education and healthcare have historically risen faster than headline inflation in India.
- Expected annual return
- 12%
- Should reflect the time available. A goal three years away is usually invested very differently from one twenty years away.
- Existing savings earmarked
- ₹5,00,000
- Only count money genuinely set aside for this goal.
- Suggested monthly investment
- A flat amount
- A step-up SIP would start lower and rise each year. Try the Step-Up SIP calculator to compare.
यह नाम आपके PDF सारांश पर छपेगा। इसे न तो कहीं सहेजा जाता है, न भेजा जाता है। PDF सारांश अंग्रेज़ी में होता है।
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
Other calculators you may find useful
View all calculatorsStep-Up SIP Calculator
See how increasing your SIP each year changes the outcome of the same plan.
SIP Delay Calculator
An illustration of what postponing the start of an investment can mean.
संपत्ति का निर्माण। भविष्य की सुरक्षा।
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
निवेश बाज़ार जोखिमों के अधीन है। रिटर्न की गारंटी नहीं है। कोई भी चर्चा शैक्षिक प्रकृति की होती है और यह किसी वित्तीय उत्पाद को ख़रीदने या बेचने की सिफ़ारिश नहीं है।