Goal SIP Planner
Inverts the SIP formula: given a future goal (inflation-adjusted if you want), a current savings pot, a return and a date, it finds the monthly SIP or extra lumpsum required.
Calculator Universe is published by SmartAI Labs. The panel above is the interactive Goal SIP Planner; the rest of this page is ordinary HTML so you can read how the tool works without waiting for the app to boot.
How the Goal SIP Planner works
Inverts the SIP formula: given a future goal (inflation-adjusted if you want), a current savings pot, a return and a date, it finds the monthly SIP or extra lumpsum required.
Formula / method. Existing FV = S × (1 + r)^t. Gap = future goal G − existing FV. Monthly SIP = gap / annuity factor for n months at monthly rate r/12.
When to use it. Use it when the goal is fixed in rupees (or in today’s rupees plus inflation) and you want the standing instruction that closes the gap.
How to run a comparison
- Open Goal SIP Planner from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
Return and inflation are yours. Fees and tax are omitted.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
Related calculators in Finance Studio
- Retirement Planner — Calculate target retirement corpus, inflation impact & monthly savings.
- Coast FIRE Calculator — Check if your current corpus can coast to retirement with no new investment.
- SIP Calculator — Estimate returns from systematic monthly investments.
- Lumpsum Calculator — Calculate future wealth from one-time investments.
- Step-Up SIP Calculator — See growth with annual percentage SIP top-ups.
- SWP Calculator — Plan regular monthly income from mutual fund corpus.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
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