--- title: Target-Based SIP Calculator canonical_url: https://sanchaykaro.com/target-based-sip-calculator/ last_updated: 2026-06-20T09:06:54+00:00 plugin_version: 1.2.2 --- # Target-Based SIP Calculator Target-Based SIP Calculator | Sanchay Karo - Find Your Monthly SIP Amount 🇮🇳 Made for Indian Investors Target-Based SIP Calculator ============================= Enter your financial goal and we'll tell you exactly how much to invest every month through SIP to get there. 10L+ Calculations Done ₹500 Cr+ SIP Planned 100% Free No Sign-up Needed ✅ AMFI Registered AMC Partners 🔒 100% Secure Calculator 📱 Works on All Devices 🏦 Based on Real Market Data Your Investment Details ----------------------- 🎯 Target Goal Amount ₹25,00,000 ₹1L₹1Cr₹5Cr 💰 Existing Investment (Lump Sum) ₹0 ₹0₹25L₹50L 📈 Expected Annual Return 12% 6%15%30% 📅 Investment Period 10 Years 1 Yr20 Yrs40 Yrs 🚀 Annual Step-Up SIP Increase SIP every year by a fixed % 📊 Annual Step-Up Rate 10% 1%15%30% Your SIP Result --------------- Required Monthly SIP ₹12,450 Invest this amount every month to reach your goal Total Invested ₹14.94L Wealth Gained ₹10.06L Goal Amount ₹25L Returns % 67.3% 67% Gain Total Invested Wealth Gained [ 🚀 Start My SIP Now — Free & Paperless ](https://sanchaykaro.com/Investor/) 📈 Year-by-Year Wealth Growth ---------------------------- See how your wealth compounds over the investment period. 📋 Detailed Year-Wise Breakup ---------------------------- Track your invested amount, returns, and corpus every year. Year Annual SIP Total Invested Returns Earned Total Corpus 🎯 ### What is a Target-Based SIP? A Target-Based SIP calculator works backwards — you enter your goal amount and it tells you exactly how much SIP you need to invest monthly to reach it within your chosen time frame. 📈 ### Power of Step-Up SIP Increasing your SIP by even 10% every year can cut your required monthly investment significantly. As your income grows, let your savings grow too — this is the fastest path to wealth. 💡 ### Why Mutual Fund SIP? SIP in mutual funds harnesses compounding, rupee cost averaging, and professional fund management. It is historically one of the best ways to build long-term wealth in India. ❓ Frequently Asked Questions ---------------------------- Everything you need to know about Target-Based SIP. How is the required SIP amount calculated? + The calculator uses the future value of annuity formula. For a regular SIP, it computes the monthly installment (PMT) needed so that your investments grow to the target at the given rate. For step-up SIP, it iteratively adjusts for the annual increment. What return rate should I use? + Conservative investors may use 8–10%, moderate investors 12%, and aggressive investors 14–18%. Equity mutual funds have historically delivered 12–15% CAGR over 10+ year periods. Please note past returns do not guarantee future performance. What if I already have some savings towards this goal? + Use the "Existing Investment" slider to enter any lump sum amount you already have. The calculator will account for the future value of this amount and reduce your required monthly SIP accordingly. What is a Step-Up SIP and why does it matter? + A Step-Up SIP means you increase your monthly SIP amount by a fixed percentage each year. For example, if you start with ₹5,000 and step up by 10%, you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. This aligns with your income growth and dramatically boosts corpus with a lower starting SIP. Is this calculator 100% accurate? + This calculator provides indicative results based on the inputs you provide. Actual returns will vary based on the mutual fund chosen, market conditions, expense ratios, and taxes. Use this as a planning guide and consult a SEBI-registered advisor for personalised advice. How do I start a SIP with [Sanchay Karo](https://sanchaykaro.com/app "Sanchay Karo")? + Click the "Start My SIP Now" button above. The entire process is online, paperless, and takes under 5 minutes once your KYC is complete. You can start with as little as ₹100 per month.