Reviewed by Artha Research·Last updated 8 April 2026
Goal-Based Investment Planner
Estimate the monthly SIP needed to reach a specific goal amount within a chosen time horizon.
Inputs
Solve the monthly SIP needed to reach a target corpus on time.
Required monthly SIP
₹5,522
You need a recurring plan
Without a regular contribution, the goal is unlikely to be met on time.
Automate the required monthly amount and revisit every six months.
Goal amount
₹50L
Required monthly SIP
₹5,522
Corpus without new money
₹41.5L
Where you land if you stop contributing today.
Projected corpus growth
Year-by-year corpus if you invest the required SIP and stay the course.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
At a glance
- What it does
- Solves the inverse-SIP problem: given a target corpus and horizon, computes the monthly contribution needed at your expected return.
- Why goal-based
- Goal-linked investing outperforms generic SIP habits because it forces honest deadlines and stops over-saving for vague horizons.
- Typical output
- A ₹50L goal in 8 years at 11% expected return needs ~₹30-33k/month (depending on existing corpus).
- Best used for
- Sizing SIPs for specific goals — child education, down payment, wedding — with a concrete end date.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Existing savings are compounded over the remaining goal horizon.
- The gap to the target is solved using a future-value SIP formula.
- Required SIP is the minimum monthly amount needed on the assumed return path.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Returns are assumed to be steady for planning convenience.
- The model should be reviewed periodically as markets and goal costs change.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
What if the required SIP is too high?
Increase the time horizon, reduce the goal amount, or accept a lower-probability target instead of forcing unrealistic monthly contributions.
Should each goal use a separate portfolio?
Often yes. Matching the investment mix to the goal timeline makes the plan easier to manage.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
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Comparison pages
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