Quick answer
To reach a goal, first inflate it to its future cost, then find the SIP whose future value matches. A goal worth ₹50 lakh today, 15 years away, costs about ₹1.2 crore at 6% inflation. At 12% returns that needs a monthly SIP of about ₹23,800.
Key takeaways
- Always inflate the goal. Skipping inflation is the most common planning mistake.
- Move money from equity to debt funds in the last 2–3 years before the goal to lock in gains.
- Existing savings reduce the SIP needed. Include them.
Formula used
Future goal = G × (1 + inflation)t; SIP = FV × i ÷ ([(1 + i)n − 1] × (1 + i))- i = monthly return
- n = months to goal
Monthly SIP needed for ₹1 crore
| Return | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 10% p.a. | ₹48,414 | ₹23,928 | ₹13,060 | ₹7,474 | ₹4,387 |
| 12% p.a. | ₹43,041 | ₹19,819 | ₹10,009 | ₹5,270 | ₹2,833 |
| 14% p.a. | ₹38,155 | ₹16,317 | ₹7,597 | ₹3,667 | ₹1,800 |
Frequently asked questions
How much SIP is needed for ₹1 crore in 10 years?
At 12% returns you need about ₹43,041 a month. Over 20 years it drops to ₹10,009.
What inflation rate should I use?
Use 6% for general expenses. Education and healthcare costs in India have risen faster, so 8–10% is safer for those goals.
Sources & methodology
Formulas follow the standard methods used by Indian banks, fund houses and government schemes. Rates and tax rules were checked against official sources on 1 October 2026. Read our methodology.
This calculator gives an estimate for planning purposes. Actual returns, tax and eligibility depend on your situation and on product terms. It is not financial advice.