SIP Calculator | Wealducate

SIP Calculator

Work out the monthly SIP you need to reach a goal — by when, and at what return.

Goal Name

Target Amount (₹)

Years to Goal

Expected Annual Return (%)

An educational estimate assuming a steady annual return compounded monthly. Real returns are uneven and not guaranteed; revisit your SIP as markets and goals change.

Mapping several goals?

The Goal SIP Calculator lets you stack multiple goals and total up your SIPs.

Goal SIP Calculator All Free Tools

How the SIP calculator works

Updated 20 July 2026

In short

This calculator tells you the fixed monthly SIP you need to invest to reach a target corpus by a chosen date, assuming a constant annual rate of return. It solves the standard future-value-of-an-annuity formula for the monthly instalment, compounding your money every month.

The formula

Monthly SIP (P) = FV × i / [ (1 + i)^n − 1 ]

FV = your target corpus (the amount you want to reach)
i = monthly rate of return = annual return ÷ 12 ÷ 100
n = number of monthly instalments = years × 12

How it's calculated

1Convert the expected annual return to a monthly rate: i = annual % ÷ 12 ÷ 100. For example, 12% per year becomes 0.01 per month.
2Convert the time horizon to months: n = years × 12.
3Compute the growth factor (1 + i)^n — how much one rupee invested today would grow over the whole horizon.
4Multiply your target corpus by i and divide by [ (1 + i)^n − 1 ] to get the level monthly instalment P.

Assumptions & limits

•Each instalment is assumed invested at the END of the month (an ordinary annuity). Investing at the start of the month would need a slightly smaller SIP.
•The return rate is assumed CONSTANT for the whole period. Real market returns vary year to year — this is a planning estimate, not a forecast.
•Returns are compounded monthly and stay invested; no withdrawals during the period.
•The figure is before costs (fund expense ratio, exit loads) and before tax on gains, so your real-world required SIP is usually a little higher.
•It does not model a step-up SIP (raising your instalment over time), which would lower the starting amount.

Frequently asked questions

Is the 12% return guaranteed?

No. 12% is a commonly used long-term assumption for diversified equity, not a promise. Mutual-fund returns are market-linked and can be higher or lower — SEBI requires funds to state that investments are “subject to market risks.” Treat the result as a planning target and revisit it as markets move.

Does it assume investing at the start or end of the month?

End of the month (an ordinary annuity). If your SIP debits at the start of the month your money compounds slightly longer, so you would need a marginally smaller instalment than shown here.

Are taxes and fund charges included?

No. The result is a gross, pre-cost, pre-tax estimate. A fund’s expense ratio and capital-gains tax on redemption mean your real-world required SIP is usually a little higher.

Is this for a monthly SIP or a one-time investment?

A monthly investment — it answers “what fixed amount per month reaches my goal?” For a single one-time investment, use the Lumpsum calculator instead.

Sources

SEBI Investor Education — Mutual Funds
The regulator's investor-education portal — basis for the “subject to market risks” framing and that a SIP is a mode of investing, not a product with assured returns.
AMFI — Association of Mutual Funds in India
Industry body investor corner: standard risk disclosures and SIP explainers.
Future value of an annuity (standard financial mathematics)
The formula itself is textbook annuity mathematics; this calculator inverts it to solve for the instalment.

Learn the idea behind this

This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.

This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.