SIP Goal Planner
How much do you need to save to reach your target corpus?
What is Reverse SIP Planning Strategy?
A Reverse SIP Calculator (Goal Planner) is designed for people who have a clear financial end-point in mind. Instead of guessing how much your savings will grow, you fix the destination and find the path. It's the most effective way to plan for big-ticket expenses like buying a home, planning a child's wedding, or retiring with a specific corpus.
📊 Practical Example
"If you want to have ₹50 Lakhs for your child's higher education in 12 years, and you expect 15% returns from small/mid-cap funds, you need to start a monthly SIP of ₹12,800 today."
⚠️ Common Mistake
Not adjusting for inflation. While ₹1 Crore sounds like a lot today, its purchasing power might be much lower in 20 years. Always aim for a target that is 2x or 3x higher than what you think you need today.
How it Works & Benefits
Backward Planning
Start with your dream goal and find the investment required to reach it.
Flexible Targets
Plan for anything from an iPhone to a 5-bedroom villa or early retirement.
Realistic Returns
Calculates based on market-linked SIP growth typical of Indian mutual funds.
Frequently Asked Questions
Common queries answered for you
Unlike a standard SIP calculator which tells you how much you'll get, a Goal Planner works backward. You tell it your target (e.g., ₹1 Crore for retirement), and it tells you exactly how much you need to invest every month.
At a 12% annual return, you need a monthly SIP of approximately ₹20,000 for 15 years to build a ₹1 Crore corpus. If you increase the return to 15%, the requirement drops to ₹15,000.
Yes! Using a 'Step-up SIP' approach where you increase your contribution by 5-10% annually can help you reach your goals much faster or achieve much higher targets.