{"id":9569,"date":"2026-10-30T14:48:30","date_gmt":"2026-10-30T09:18:30","guid":{"rendered":"https:\/\/niveshsankalp.com\/?page_id=9569"},"modified":"2026-11-06T19:21:08","modified_gmt":"2026-11-06T13:51:08","slug":"goal-sip-calculator","status":"publish","type":"page","link":"https:\/\/niveshsankalp.com\/hi\/calculators\/goal-sip-calculator\/","title":{"rendered":"Goal SIP calculator"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Goal SIP Calculator<\/h1>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/niveshsankalp.com\/wp-content\/uploads\/2026\/11\/Goal-Sip-Calculator.webp\" alt=\"Goal SIP Calculator\" class=\"wp-image-99784\" srcset=\"https:\/\/niveshsankalp.com\/wp-content\/uploads\/2026\/11\/Goal-Sip-Calculator.webp 1024w, https:\/\/niveshsankalp.com\/wp-content\/uploads\/2026\/11\/Goal-Sip-Calculator-300x168.webp 300w, https:\/\/niveshsankalp.com\/wp-content\/uploads\/2026\/11\/Goal-Sip-Calculator-768x429.webp 768w, https:\/\/niveshsankalp.com\/wp-content\/uploads\/2026\/11\/Goal-Sip-Calculator-18x10.webp 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Use this free goal SIP calculator to find the monthly SIP needed for a future goal, such as your child\u2019s education, a home down payment or a big purchase. Enter what the goal costs today, how many years away it is, and your assumptions for inflation and return. The calculator allows for rising prices and shows an illustrative monthly amount.<\/p>\n\n\n<div class=\"nsc\" data-calcs=\"goal\" data-default=\"\" data-cta-text=\"Discuss this plan with me\"><\/div><noscript><p>Please turn on JavaScript to use this calculator.<\/p><\/noscript>\n\n\n\n<h2 class=\"wp-block-heading\">How this goal SIP calculator works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prices rise over time, so the calculator first raises today\u2019s cost by the inflation rate to estimate what the goal will cost when you need the money. It then subtracts what your existing savings could grow to, and works out the monthly SIP that would build the rest. For example, a goal costing \u20b925 lakh today, with 6% inflation, would cost about \u20b959.9 lakh in 15 years. At an assumed 12% return, building that amount would need a monthly SIP of about \u20b911,874. The result is an illustration, not a forecast.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What this calculator does not include<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The result is before taxes, exit loads and fund expenses. It assumes the same inflation and return for the whole period, while real life varies from year to year. It also assumes your SIP stays the same every month. If you can raise it each year, try our <a href=\"\/hi\/step-up-calculator\/\">Step up SIP<\/a> calculator to see how much that could help.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0935\u093e\u0932 (FAQs)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Which goals can I use this for?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Any goal with a target amount and a date: a child\u2019s education or marriage, a home, a car, a vacation, or a business. Use one calculation per goal, and add up the monthly amounts to see the full picture.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What inflation rate should I use?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Everyday costs have historically risen by roughly 5 to 7 percent a year in India, though some goals, such as education, can rise faster. The calculator starts at 6%, and you can change it. It is sensible to test a higher rate as well.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What return should I assume for a goal that is only 3 to 5 years away?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A shorter goal has less time to recover from market falls, so it usually calls for a more cautious investment mix and a lower expected return than a goal 15 years away. Try a lower rate for near goals. We can help you choose a suitable approach.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is the return shown guaranteed?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The calculator uses the rate you enter and assumes it stays the same, so the result is only as reliable as that rate. Mutual fund returns are market-linked and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Learn more on the <a href=\"https:\/\/www.amfiindia.com\" target=\"_blank\" rel=\"noopener\">AMFI investor awareness site.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does \u201cor invest once, today\u201d mean?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It shows the single amount you would need to invest today, instead of a monthly SIP, to reach the same goal, using the same return. It is useful if you already have a lump sum available. You can compare it with our <a href=\"\/hi\/lumpsum-calculator\/\">lumpsum calculator<\/a>.<\/p>\n\n\n\n<div style=\"background:#0f5c5c; color:#ffffff; padding:32px 28px; border-radius:10px; margin:32px 0; text-align:center;\">\n<h2 style=\"color:#ffffff; margin:0 0 10px 0;\">Thinking of starting your first SIP?<\/h2>\n<p style=\"color:#ffffff; margin:0 0 20px 0;\">Get our free 9-page guide on the 5 mistakes new investors make, in English or \u0939\u093f\u0902\u0926\u0940.<\/p>\n<a href=\"\/hi\/free-sip-guide\/\" style=\"display:inline-block; background:#e3a231; color:#1a2b2b; padding:14px 28px; border-radius:6px; text-decoration:none; font-weight:700;\">Get the free guide<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Goal SIP Calculator Use this free goal SIP calculator to find the monthly SIP needed for a future goal, such as your child\u2019s education, a home down payment or a big purchase. Enter what the goal costs today, how many years away it is, and your assumptions for inflation and return. The calculator allows for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":9004,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9569","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/comments?post=9569"}],"version-history":[{"count":6,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9569\/revisions"}],"predecessor-version":[{"id":99880,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9569\/revisions\/99880"}],"up":[{"embeddable":true,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9004"}],"wp:attachment":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/media?parent=9569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}