Pick the corpus you want in today's money. We grow it by inflation to what it will actually cost on the day you need it, then work backwards to the monthly SIP you need to start now.
Illustrative only. Assumes constant inflation and a constant annual return compounded monthly, with the SIP amount held level throughout. Not investment advice.
₹1 crore is not a fixed thing. At 6% inflation, the lifestyle ₹1 crore buys today costs about ₹2.4 crore in 15 years. Plan against today's price tag and you land at the goal date roughly 60% short — the money arrives, the goal has moved.
This calculator closes that gap in two steps:
FV = C × (1 + f)Y
P = FV × i ÷ [ ((1 + i)n − 1) × (1 + i) ]
where C is the corpus in today's money, f is annual inflation, Y is years to the goal, i is the monthly return and n is the number of months.
Headline CPI in India has averaged roughly 5–6% over the last decade, and that is a fair default for a general goal. But your goal has its own inflation rate: education and healthcare costs have historically run well above headline — 8–10% is the common planning assumption. A car or a foreign holiday tracks closer to headline. Set the slider to the goal, not to the newspaper.
That number is information, not a verdict. You have four levers: give the goal more time, raise the equity share (and with it the expected return), start smaller with a step-up SIP that rises with your income, or add any lump sums you already hold so the SIP only has to cover the shortfall.
This calculator keeps the SIP flat for the whole term. In real terms that instalment shrinks every year — the ₹25,000 that stings today is comfortable in year ten. If you would rather start lower and step up 10% a year as your income grows, the step-up SIP calculator shows what that path builds.
We'll build the plan and keep it on track.
ARTHUM