SIP Goal Calculator: Monthly Investment Needed to Hit Your Target Corpus

Enter your target corpus and horizon. The solver grows your starting amount to the end of the horizon, treats whatever is still missing as the amount contributions must cover, and uses the standard monthly annuity formula to show the exact contribution needed each month. You can switch it to solve for years instead, at your current contribution.

Every extra year adds compounding periods to both your starting balance and each contribution, so the required monthly amount drops, often sharply, when you give the plan more runway. The years-needed figure shows when your current contribution alone reaches the goal, so you can compare it against your horizon.

When the plan ends below target, the status card shows the exact gap. Close it with the same inputs: raise the contribution, extend the years, or adjust the assumed return. The Monthly Needed figure tells you precisely what the gap costs per month on your current horizon.

The reverse solve always models contributions monthly at your annual rate, whatever compounding frequency the growth chart uses, and treats the rate as fixed with no taxes or fees. Everything is computed locally in your browser.