Reverse SIP Calculator

SIP Goal Planner for Your Target Wealth

Want to buy a house or retire comfortably? Enter your target amount, and our reverse SIP calculator will tell you exactly how much you need to invest every month to reach it.

Reverse Engineer Your SIP

Discover your required monthly investment.

Min: ₹1 Lakh Max: ₹50 Crores
Min: 1% Max: 30%
Min: 1 Yr Max: 40 Yrs

Required Monthly SIP

₹0

Invested

₹0

Returns

₹0

Start this SIP Free Today →

Growth Projection

Total
Invested

Just want to see how your money will grow?

Switch to our standard forward-calculating tool.

Use Standard SIP Calculator

Disclaimer: This calculator uses binary search algorithms for estimations. It is for informational purposes and does not constitute financial advice.

A Guide to the Reverse SIP Calculator

How to reverse-engineer your wealth building journey.

What is a Reverse SIP?

Instead of guessing how much your monthly savings will grow into, a Reverse SIP Calculator (or SIP Goal Planner) flips the traditional math backward. It is the core tool for goal-based investing.

While a standard calculator asks "How much will I have if I invest ₹5,000?", a reverse calculator answers the much more important question: "How much must I invest monthly to reach exactly ₹1 Crore?" By inputting your target amount, expected return rate, and time horizon, it gives you a crystal-clear, actionable monthly investment target.

Why Use the Inflation Toggle?

Inflation is the silent wealth killer that steadily erodes your purchasing power over time. Failing to account for it is the #1 reason why investors fall short of their financial goals.

For example, if a dream house costs ₹1 Crore today, it might cost upwards of ₹2.5 Crores in 15 years due to rising prices. If you simply save ₹1 Crore nominally, you won't be able to afford it. By turning on "Target is in Today's Value", our calculator automatically inflates your future target corpus so your final wealth matches exactly what you want to buy in today's terms.

Popular Milestones to Plan With a Reverse SIP

A Reverse SIP Calculator is the ultimate tool for goal-based investing. Instead of investing blindly, assigning a specific purpose to your money drastically increases your chances of success. Here are the 3 most common life goals you should plan for today:

Retirement (Financial Independence)

Retirement requires the largest corpus. A Reverse SIP is crucial here because inflation over 20-30 years will drastically reduce the value of 1 Crore. By toggling "Inflation" on, you can find the exact monthly step-up needed to build a massive, self-sustaining wealth generator that lets you retire early without running out of money.

Typical Target: ₹3-5 Cr | Timeline: 20+ Years

Child's Higher Education

Education costs are inflating at almost 10% annually (much higher than standard inflation). By entering the current cost of a degree as your target and using a 10% expected return, you can guarantee that your child graduates debt-free without you needing to take out expensive education loans later.

Typical Target: ₹30-50L | Timeline: 10-15 Years

Buying a Dream Home

Planning to buy a house in 5 years? Don't just save cash in the bank. Use the calculator to find the SIP needed to accumulate a substantial 20% to 30% down payment. A larger down payment drastically lowers your future monthly EMI burden and saves you lakhs in home loan interest.

Typical Target: ₹20L+ | Timeline: 5-8 Years

Pro Tip for Goal Planning: Never mix your funds! Create a separate mutual fund folio (or use distinct funds) for each specific milestone. This allows you to track them independently using this Reverse SIP Calculator and ensures you don't accidentally dip into your retirement corpus to buy a car.

How to Use This Goal Planner?

Finding your required SIP is a simple 3-step process:

1

Define Your Target: Enter the total amount you need for your goal (e.g., ₹50 Lakhs for a house down payment).

2

Set the Timeline & Return: Input how many years you have and your realistic expected return rate (e.g., 12% for equity).

3

Toggle Inflation: Switch on inflation to ensure your target amount retains its purchasing power in the future.

The Reverse SIP Formula

Standard SIPs calculate Future Value. A reverse calculator flips the math to solve for the Monthly Payment (P):

P = [FV × i] / [(1 + i)^n - 1] × (1 + i)

Where: FV = Target Goal, i = Monthly Return (Annual / 12), n = Total Months.

Note: To perfectly calculate complex scenarios involving annual Step-Ups and Inflation, our tool utilizes a highly precise algorithmic binary search instead of a static formula.

The Hidden Cost of Delaying Your SIP

When planning for a target amount, waiting to start forces you to dramatically increase your monthly investment later to catch up.

Example: Target ₹1 Crore in 15 Years (at 12%)

  • • Start Today: Requires ~₹20,000 / month
  • • Wait 3 Years: Requires ~₹31,000 / month (55% more!)
  • • Wait 5 Years: Requires ~₹43,000 / month (More than double!)

Due to the exponential nature of compounding, the earlier you start, the less of your own money you have to contribute to reach the exact same goal.

Matching Goals to the Right Asset Class

What return rate should you enter in the calculator? It depends on your timeline and risk appetite:

Short Term (1-3 Years) → 6% to 8%

Use Debt Mutual Funds or Fixed Deposits. Safety is priority.

Medium Term (4-7 Years) → 9% to 11%

Use Hybrid or Balanced Advantage Funds to mix growth and safety.

Long Term (8+ Years) → 12% to 15%

Use Equity Mutual Funds (like Index or Flexi Cap) to beat inflation.

Frequently Asked Questions

It depends on your timeline! At an expected 12% return, a ₹10,000 monthly SIP takes roughly 20 years to reach ₹1 Crore nominally. However, if you account for 6% inflation to reach the real purchasing power of ₹1 Crore today, you would need to either increase your monthly amount or use an annual Step-Up strategy.

The easiest way is to use a Reverse SIP Calculator (like the one on this page). You simply input your target amount, expected return rate, and time horizon. The algorithmic calculator will reverse-engineer the complex compounding formula to give you the exact monthly amount required.

Absolutely! A Step-Up SIP is highly recommended for goal planning. It allows you to start with a smaller, more affordable monthly SIP today. As your salary increases each year, your SIP amount steps up (e.g., by 10% annually), ensuring you comfortably hit your target without a massive financial burden right now.