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Clarowl

Tool 2.3

Goal-based SIP Calculator

Find the real monthly SIP needed to hit your goal — after inflation and tax, not before.

Calculated entirely in your browser — nothing you type is sent anywhere.

Your Goal

What this should be worth in today's rupees — e.g. a house down payment or your child's education

Assumptions

SIP return is a market-linked assumption, not guaranteed.

Used to inflate your goal to what it'll actually cost in the future

Your required SIP will appear here

Fill in your goal, time horizon, and rate assumptions, then calculate to see the real monthly amount you need.

Estimates for educational use only — not financial advice, and not from a SEBI-, RBI-, IRDAI-, or AMFI-registered entity. Verify before acting.

How this works

Most goal-SIP calculators solve backward from today's goal amount using a pre-tax formula — enter a target, get a monthly number. This tool does two things differently: it first inflates your goal to what it will actually cost by the time you reach it, then solves for the monthly SIP whose post-tax maturity value covers that inflated goal, not the pre-tax one. That's why the real number here is usually meaningfully higher than a bare calculator's answer.

Equity mutual fund SIPs held a year or more attract long-term capital gains tax at 12.5% on gains above a ₹1.25L annual exemption. A calculator that ignores this tells you a monthly amount that, after tax, actually falls short of your goal. This tool solves directly for the amount whose after-tax proceeds hit your real target — the same LTCG treatment already used in the SIP vs FD vs RD Comparison tool.

Frequently Asked Questions

Why is the required SIP higher than what other calculators show?
Because most calculators solve backward from today's goal amount and ignore two things: your goal itself gets more expensive with inflation over your investment horizon, and your SIP's gains owe LTCG tax before you can actually spend them. This tool solves for the monthly amount whose post-tax, future-value proceeds cover your inflated goal — which is why it's usually meaningfully higher than a bare calculation.
What tax rate does this assume on my SIP gains?
Long-term capital gains tax at 12.5%, with the first ₹1.25L of gains exempt each year — the standard treatment for equity mutual fund SIPs held a year or more. See the SIP vs FD vs RD Comparison tool for the same rules applied to a return comparison instead of a goal.
Is my expected SIP return rate guaranteed?
No — it's an assumption about long-term equity returns, not a contractual rate. Enter a conservative number if you want a safety margin, since actual market returns vary year to year even when the long-term average holds.
What if my actual returns end up lower than what I entered?
You'd fall short of your goal on this schedule. Consider entering a more conservative return assumption upfront, or revisit the calculation periodically and adjust your monthly SIP as your actual returns become clear.
Does this account for step-up SIPs (increasing the amount each year)?
Not currently — this assumes a fixed monthly amount for the entire horizon. A step-up SIP, where you raise your contribution as your income grows, can reach the same goal starting from a lower monthly amount; that's a different calculation this tool doesn't model yet.

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