Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
Goal-Based Investment Planner
Will a monthly SIP actually get you to this goal on time? See the required amount, what drives it, and which lever — horizon, return, or scope — moves the needle.
Inputs
Solve the monthly SIP needed to reach a target corpus on time.
Save & share this scenario
Bookmark these inputs, copy a link, or send the result to someone.
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.
Benchmarks
Stretch horizon by 2 years
You
₹5.5K
Benchmark
₹0
Every extra year you can wait, the required SIP shrinks meaningfully.
Conservative (8% return)
-55.4%You
₹5.5K
Benchmark
₹12.4K
Debt-fund-like returns — shows the margin of safety if markets disappoint.
Trim goal by 20%
You
₹5.5K
Benchmark
₹0
Scope discipline is the fastest way to lower the required SIP.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
Like this calculation?
Save it to your account so you can revisit it anytime, or share the scenario with someone who needs to see it.
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.
What to do next
Comparison pages
No direct comparison yet.
Related guides
Long-form explainers that put the math behind this tool in context.
Guide28 min
The India Personal Finance Playbook 2026: Your First ₹1 Crore by Income, Age, and City
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Guide7 min
Step-Up SIP: When Increasing Your SIP Every Year Beats Starting Big
A ₹20,000 SIP stepped up 10% every year builds a larger corpus than a flat ₹30,000 SIP over 20 years — with less strain. The math, when to step up, and when prepayment or the emergency fund should come first.
Guide10 min
SIP Guide: How Monthly Investing Actually Builds Wealth
A plain-English guide to Systematic Investment Plans (SIPs) in India. How they work, what returns to expect, and how to avoid the three most expensive mistakes beginners make.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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