The reverse of SIP Planner. Tell us the corpus you want, the date you want it by, and the return you're willing to assume — we solve for the monthly contribution. The sensitivity grid shows how the required amount jumps if any of those three assumptions move.
| ↓ Tenure / Return → | 8.0% | 11.0% | 14.0% |
|---|---|---|---|
| 15 yrs | ₹28,899 | ₹21,993 | ₹16,507 |
| 20 yrs | ₹16,977 | ₹11,552 | ₹7,685 |
| 25 yrs | ₹10,515 | ₹6,345 | ₹3,709 |
Cut return by 3 percentage points and the required SIP jumps; cut tenure by 5 years and it jumps harder. The grid is the cost of optimism on either dimension.
Goal Portfolio is the inverse of SIP Planner. The SIP future-value formula is FV = P × ((1+r)n − 1) / r where P is the monthly contribution and r is the monthly rate. We invert it for P.
The default return is 11% annualised — below the 25Y Nifty 500 TRI of 13.4% so the SIP we ask for is closer to a realistic long draw than to a back-test best case. There's no step-up in this calculator; for a salary-linked step-up that lowers the starting amount, use SIP Planner.
The real-value display deflates at 6% inflation (RBI flexible target). A ₹1 crore nominal goal in 20 years buys ~₹31 lakh of today's shopping basket — set goals against that lens, not the nominal number. Full methodology · reviewed January 2026.
Educational projection only. MintByte is an AMFI-registered mutual fund distributor (ARN-314872); SEBI Registered Investment Adviser and Research Analyst registrations are in process. Not investment advice.