Most SIP calculators ask how much you'll invest. This one asks how much you want at the end — and tells you what monthly SIP gets you there. Goal-first math.
Leave an email or a number — either one works — and Archita will follow up with a plain-English read on what these figures mean for you. No spam. No drip campaigns.
Because real planning is goal-first. You don't say "I want to invest ₹15,000 a month, let's see what happens" — you say "I want a ₹1 crore corpus in 20 years, what do I need to do?"
Most SIP calculators work forwards. This one works backwards. Same math, more useful framing.
We invert the standard SIP formula. Forward: FV from P, r, n. Reverse: P from FV, r, n.
Starting from FV = P × ((1 + r)^n − 1) / r × (1 + r), solve for P. Same compounding assumption (annuity-due — debit at the start of each month). The result is the monthly amount that exactly hits your target at the assumed return.
Three options, in order of usefulness:
1. Stretch the timeline. Compounding loves time. Going from 15 years to 20 years often cuts the required SIP by a third.
2. Add a lumpsum. A one-time boost upfront dramatically reduces the monthly need. Try the lumpsum calculator.
3. Use a step-up SIP. Start smaller, grow with your income. Try the step-up calculator.
If you'd like to work out the right combination for your specific goal, talk to Archita.