# How Much SIP to Reach a Goal: Goal SIP Calculator > Find how much SIP you need to reach a goal. Enter the amount, years and assumed return; adjust for inflation and existing savings, with a step-up option. Source: https://trykosh.com/tools/sip-goal-calculator Free tool - Investing # How much SIP do I need to reach my goal? Work backwards from a goal to the monthly SIP that gets you there. Inflate the goal to future prices and count what you've already saved. Rules checked 25 October 2026Free - no sign-upRuns in your browser Monthly SIP needed INR 15,516 to build INR 50,00,000 in 12 years Total you invest**INR 22,34,275** Estimated gains**INR 27,65,725** Or start at (with 10% step-up)**INR 9,952** Invested **INR 22,34,275**Gains **INR 27,65,725** Goal INR 50,00,000 Covered by what you've already invested INR 0 Left for the SIP to build INR 50,00,000 Flat monthly SIP INR 15,516 Step-up SIP, first year INR 9,952 Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-sip-goal-calculator) ## How the SIP goal calculator works Start with the goal: a child's education, a home down payment, a car. If you know what it costs today, turn on the inflation option and the calculator grows that cost to the year you'll need it. Education costs have historically risen faster than general prices, so many planners use 8% to 10% for them. Next, anything you've already set aside for the goal is grown at the same assumed return to the target year. Only the shortfall needs to come from the SIP. The monthly SIP is then the amount which, paid at the start of every month and compounded monthly, builds exactly that shortfall. It's the SIP formula run in reverse. Finally, it shows a step-up alternative: the smaller starting SIP that reaches the same shortfall if you raise it by your chosen percentage every year. If today's budget is tight, this is often the realistic plan. SIP = Shortfall / {\[((1 + i)ⁿ − 1) / i\] x (1 + i)} Shortfall goal − future value of savings already invested i monthly rate n months to the goal ## Worked example: Nikhil and Shruti plan for engineering college Nikhil and Shruti in Pune estimate their daughter's engineering degree would cost INR 25 lakh today. She starts college in 15 years, and at 8% education inflation that becomes about INR 79.3 lakh. The INR 2 lakh they've already invested could grow to about INR 11.99 lakh at an assumed 12%. To cover the rest they need a SIP of INR 13,341 a month, or INR 7,752 to start if they raise it 10% every year. Monthly SIP needed INR 13,341 to build INR 79,30,423 in 15 years Total you invest**INR 24,01,278** Estimated gains**INR 43,29,984** Or start at (with 10% step-up)**INR 7,752** Invested **INR 24,01,278**Gains **INR 43,29,984**From existing savings **INR 11,99,160** Goal in today's prices INR 25,00,000 Goal after 8% inflation INR 79,30,423 Covered by what you've already invested INR 11,99,160 Left for the SIP to build INR 67,31,262 Flat monthly SIP INR 13,341 Step-up SIP, first year INR 7,752 Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?target=2500000&years=15&existing=200000&inflate=1&inflation=8#calculator) ## Good to know - Use a lower return for goals under 5 years away: equity can fall sharply in a short period. For goals within 2 to 3 years, many people use debt funds or deposits instead. - As the goal gets close, move the corpus gradually to safer options so a market fall in the final year doesn't derail it. - Run one SIP per goal. It's easier to track progress and to stop the right SIP when a goal is met. - Review the plan once a year: update the cost, what you've saved and the SIP amount. ## Frequently asked questions How do I calculate the SIP needed for a goal? Inflate the goal to the year you need it, subtract the future value of anything you've already saved, and divide the shortfall by the future value of a INR 1 monthly SIP over the same period. The calculator above does all three steps. How much SIP do I need for INR 50 lakh in 10 years? At an assumed 12% a year, about INR 21,500 a month. At 10% it's about INR 24,200. With a 10% yearly step-up, you could start at roughly INR 15,000 instead. Returns are not guaranteed. What inflation should I use for my goal? General inflation in India has averaged around 5% to 6% over the last decade. Education and healthcare have typically risen faster, so 8% to 10% is a common planning assumption for them. What if I can't afford the SIP amount? You have four levers: a longer timeline, a smaller goal, a yearly step-up, or a lump sum added now. The step-up option often brings the starting SIP down by a third or more. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.