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SIP Goal Calculator

Reverse SIP Planner • Target Corpus to Monthly SIP
₹1 Crore
₹
%
1% (Debt/FD) 12% (Index/Large Cap) 15% (Flexi/Mid Cap) 30%
Yrs
1 Yr 10 Yrs 20 Yrs 40 Yrs
Increases SIP yearly with salary hike (Optional)
%
0% (Fixed SIP) 5% 10% (Recommended) 25%
Goal Feasibility Result
Required Monthly SIP
$19,818.62
Fixed monthly deposit for 15 years
Target Wealth Goal: $10,000,000.00
Total Amount You'll Invest: $3,567,351.60
Estimated Returns Earned: $6,432,648.40
Compounding generates 64.3% of your target wealth!

Quick Reference: Required Monthly SIP for Popular Goals (@ 12% P.A.)

Compare monthly SIP amounts required to achieve various milestones across 5, 10, 15, and 20 years. Click any row to load into calculator.

Assuming 12% CAGR
Target Goal 5 Years (60 Mo) 10 Years (120 Mo) 15 Years (180 Mo) 20 Years (240 Mo) Action
₹10 Lakhs ₹12,123/mo ₹4,304/mo ₹1,982/mo ₹1,001/mo
₹25 Lakhs ₹30,308/mo ₹10,760/mo ₹4,955/mo ₹2,502/mo
₹50 Lakhs ₹60,616/mo ₹21,520/mo ₹9,909/mo ₹5,004/mo
₹1 Crore ₹121,232/mo ₹43,041/mo ₹19,819/mo ₹10,009/mo
₹2 Crore ₹242,464/mo ₹86,081/mo ₹39,637/mo ₹20,017/mo
₹5 Crore ₹606,161/mo ₹215,203/mo ₹99,093/mo ₹50,043/mo
*Calculations assume compounding on monthly investments made at the start of each period at a 12% annualized return rate.

How the Reverse SIP Formula Works

Unlike regular SIP calculations that determine future wealth based on what you invest today, a Reverse SIP (Goal-Based SIP) calculates the monthly deposit ($P$) necessary to hit an exact future maturity value ($FV$).

Standard Annuity Formula:
P = FV × i / [((1 + i)n − 1) × (1 + i)]

Where:
• P = Required Monthly SIP Investment
• FV = Target Goal Corpus (e.g. ₹1,00,00,000)
• i = Monthly Interest Rate = (Annual Rate / 12) / 100
• n = Total Investment Months = Tenure (Years) × 12

Because equity mutual funds compound monthly, starting just 3 to 5 years earlier cuts your required monthly deposit by almost half due to exponential compounding.

The 15-15-15 Rule Explained

The 15-15-15 Rule is a cornerstone principle in Indian financial planning that demonstrates the staggering power of long-term mutual fund compounding:

Monthly SIP ₹15,000
Duration 15 Years
CAGR Return 15% P.A.
Total Amount Invested: ₹27,00,000 (27 Lakhs)
Wealth Gain (Returns): ₹73,27,601 (73.28 Lakhs)
Final Accumulated Wealth: ₹1,00,27,601 (1.00 Crore)

Why You Should Use an Annual Step-Up SIP

Lower Starting Barrier

You don't need a massive salary to plan for ₹1 Crore. With a 10% annual step-up, you can start with a much smaller monthly commitment and scale up as your income grows.

Beats Inflation Automatically

Lifestyle inflation and rising costs reduce real purchasing power. Automatically increasing your SIP by 5% to 15% every year ensures your wealth creation easily outpaces inflation.

Shaves Years Off Your Goal

Stepping up your monthly SIP enables you to achieve your milestone 3 to 7 years faster compared to an unchanged flat SIP, unlocking earlier financial freedom (FIRE).

Frequently Asked Questions (FAQ)

At an expected mutual fund return rate of 12% per annum, you need a monthly SIP of approximately ₹43,041 to build a corpus of ₹1 Crore in 10 years (total invested ₹51.65 Lakhs, returns ₹48.35 Lakhs). If your portfolio achieves 15% return, the required SIP drops to ₹35,925/month. With a 10% annual Step-Up SIP, you can achieve ₹1 Crore by starting with just ₹26,800/month.

The 15-15-15 Rule is a legendary wealth-building benchmark: By investing ₹15,000 per month for 15 years in equity mutual funds delivering an average return of 15% per annum, your final accumulated corpus exceeds ₹1 Crore (₹1,00,27,601). Out of this, your total contribution is only ₹27 Lakhs, while compounding creates over ₹73 Lakhs in pure profit.

Yes! With a disciplined monthly SIP of ₹5,000:
• At 12% return without step-up, you will reach ₹1 Crore in ~26 years.
• At 12% return with a 10% annual Step-Up SIP, you reach ₹1 Crore in only 18 years (investing ₹33.3 Lakhs total).
• At 15% return with a 10% annual Step-Up SIP, you achieve ₹1 Crore in just 16 years.

A standard SIP calculator tells you the future corpus for a given monthly deposit. A Reverse SIP Calculator does the exact opposite: you specify your desired financial milestone (e.g. ₹1 Crore for retirement or ₹50 Lakhs for child education), and it calculates the exact monthly investment required today so you never fall short of your life goals.

Annual Step-Up increases your monthly investment percentage (e.g. 5% to 15%) each year in tandem with your annual salary raises. Because your contribution grows over time, you can achieve the same ₹1 Crore target starting with a 30% to 45% smaller monthly SIP today compared to a static fixed SIP.