How much SIP do I need to save ₹1 crore in 10 years?

At 12% annual return, you need approximately ₹43,000 per month SIP to accumulate ₹1 crore in 10 years. At 10%, the required SIP is approximately ₹48,000. The power of compounding means starting earlier dramatically reduces the required monthly amount — at 15 years, the required SIP drops to about ₹25,000 at 12%.

How should I account for inflation in goal planning?

Inflation erodes the purchasing power of your target corpus. For a goal 10 years away, add 5–6% annual inflation to the today's cost. For example, a ₹30 lakh home down payment needed today will require ₹49–55 lakh in 10 years at 5–6% inflation. Our calculator lets you enter the inflation-adjusted goal amount directly.

What is a step-up SIP and does it help reach goals faster?

A step-up SIP (or SIP with annual top-up) increases your monthly investment by a fixed percentage each year — typically 5–10% — in line with salary increments. It significantly reduces the initial SIP burden and helps reach the same goal with a lower starting amount. For example, a 10% annual step-up can reduce the required starting SIP by 20–30%.

Which mutual funds are best for goal-based SIP?

The fund choice depends on the goal timeline: (1) 10+ years — large-cap or flexi-cap equity funds (10–14% expected CAGR). (2) 5–10 years — balanced advantage or hybrid funds (8–11% expected CAGR). (3) Under 3 years — short-duration debt funds (6–7% expected CAGR). Always choose direct plans to avoid distributor commissions.

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Goal-Based SIP Calculator

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