Goal-Based SIP Calculator
Will your lump sum + monthly SIP reach the goal after inflation raises its price? Includes step-up, holding period and the exact SIP required.
A goal-based SIP calculator works out the monthly investment needed to reach a target, and Richlify inflates the goal itself — so a ₹50 lakh goal ten years away is costed at what it will actually be worth then, not today.
Your goal
Your investment plan
Results update live. Your return rate is an effective annual return; the goal's price is inflated over the full horizon.
Projected corpus
GOAL TODAY
₹0
Current price
GOAL IN 15 YRS
₹0
After 6% inflation
PROJECTED CORPUS
₹0
What your plan builds
SURPLUS
+₹0
Corpus - goal
REQUIRED MONTHLY SIP
—
Turn SIP on to see this
YOUR PLANNED SIP
₹5,668
First-year monthly amount
YOU'RE INVESTING EXTRA
—
Turn SIP on to see this
REAL MATURITY
₹0
Corpus in today's money
WEALTH CREATED
+₹0
Corpus - total invested
REQUIRED CORPUS TODAY
₹0
Lump sum needed today to reach the goal
TOTAL INVESTED
₹0
Lump + every SIP installment
WEALTH MULTIPLIER
0.00x
Corpus / total invested
EFFECTIVE ANNUAL RETURN
0.00%
0.0000% a month, compounded
Planning purposes only. Market returns are not guaranteed and past performance does not predict future results. Consult a SEBI-registered financial advisor before investing.
How this is calculated
This calculator does something most goal planners quietly skip: it inflates the goal as well as the investment.
If you tell an ordinary calculator you need ₹35 lakh in fifteen years, it solves for ₹35 lakh. But ₹35 lakh in 2041 does not buy what ₹35 lakh buys today. At 6% inflation the same purchase costs ₹83,87,954 by then. Solving for the smaller figure produces a monthly contribution that feels achievable and leaves you short by more than the original goal — a failure that only becomes visible at the moment you need the money.
So the goal side runs first. Your goal in today's money is inflated across the full horizon to give a future value, and the difference is shown explicitly as extra needed due to inflation. That single line is usually the most useful output on the page.
The investment side then runs the same engine as the standard SIP calculator: a lump sum compounding across the whole horizon, a monthly SIP rising by your step-up percentage every twelve months, contributions treated as arriving at the start of each month, and an optional holding period after contributions stop.
The two sides meet at the surplus or shortfall line, which compares projected maturity against the inflated goal rather than the original figure.
Required SIP is solved from that inflated target. The calculation works backwards: subtract what the lump sum will already have grown to, discount the remaining gap back to the date your SIP ends, then find the starting instalment whose step-up schedule reaches exactly that amount. Because the solution accounts for the step-up, the answer is meaningfully lower than a flat-SIP calculation would suggest — on a typical fifteen-year plan the difference runs to several thousand rupees a month.
One deliberate design choice: the required SIP is the amount that hits the goal precisely, with nothing to spare. Real plans benefit from a margin. If the calculator says ₹6,139, treating that as a floor rather than a target is the sensible reading, because the projection assumes returns arrive smoothly and they never do.