How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

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Goal Planning

SIP Goal Planner — find the monthly SIP needed for your target corpus

Tell us your target corpus and goal year — the SIP Goal Planner calculates the exact monthly SIP you need to invest today to reach your goal. Perfect for retirement, children's education, home down payment, or any financial goal.

Calculator Inputs

Target corpus

₹

₹100,000₹100,000,000

Expected annual return

125%

Years to goal

140%

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

Result 1

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Result 3

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Visualization

Year-by-Year Breakdown

How the SIP Goal Planner works

The inversion

The SIP Goal Planner inverts the standard SIP calculation. Instead of asking "what will my monthly SIP grow to?", it asks "what monthly SIP do I need to reach my target corpus by my target year?"

Common goals

Retirement at 60: target ₹5–7 crore. Child's college education: target ₹50 lakh–₹2 crore depending on years. Home down payment: target ₹10–20 lakh.

How to use

Set your target corpus (use today's cost inflated for the goal year), choose a realistic return rate (12% for equity), set the years to your goal, and read the monthly SIP needed.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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