Reverse SIP Calculator
A reverse SIP calculator starts from the answer: it tells you how much to invest each month to reach a target amount in a given time.
Results
Monthly SIP needed
₹10,009
- Total invested
- ₹24,02,047
- Expected growth
- ₹75,97,953
To build ₹1,00,00,000.00 in 20 years at 12% a year, invest ₹10,008.53 every month.
Invested amount vs growth
- Invested amount₹24,02,047 (24.0%)
- Expected growth₹75,97,953 (76.0%)
Show the calculation steps
- Monthly rate i = 12% ÷ 12 = 1%; n = 240 months.
- SIP = target × i ÷ (((1 + i)^n − 1) × (1 + i)) = ₹10,008.53.
- You invest ₹24,02,046.74 in total; the remaining ₹75,97,953.26 is expected growth.
How reverse SIP works
It inverts the SIP future-value formula. Given the target, the monthly return and the number of months, it solves for the monthly instalment.
Time does the heavy lifting
Try a longer period. Doubling the time can cut the SIP needed by far more than half, because early instalments compound for longer.
Formula
SIP = Target × i ÷ (((1 + i)^n − 1) × (1 + i))
Where:
- Target
- = The corpus you want at the end
- i
- = Monthly return (annual ÷ 12 ÷ 100)
- n
- = Number of months
Example calculation
₹1 crore in 20 years at 12%
Inputs
- Target Corpus
- ₹1,00,00,000
- Expected Annual Return
- 12 %
- Time to Goal
- 20 years
Result
- Monthly SIP needed
- ₹10,009
- Total invested
- ₹24,02,047
- Expected growth
- ₹75,97,953
Step-by-step
- Monthly rate i = 12% ÷ 12 = 1%; n = 240 months.
- SIP = target × i ÷ (((1 + i)^n − 1) × (1 + i)) = ₹10,008.53.
- You invest ₹24,02,046.74 in total; the remaining ₹75,97,953.26 is expected growth.
Important notes
- Results are estimates based on the values you enter. They assume the rates stay constant and exclude taxes and fees unless stated.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
How much SIP do I need for 1 crore?
It depends on the return and time. At 12% for 20 years it is roughly ₹10,000 a month; enter your own values above.
How is this different from the goal SIP calculator?
This one takes a target amount directly. The goal SIP calculator also inflates today's cost and subtracts existing savings.
Are instalments made at the start of the month?
Yes, the calculation assumes instalments at the start of each month.
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- Retirement SIP CalculatorFind the monthly SIP you need to reach your retirement corpus, after counting the savings you already have.
- SIP CalculatorEstimate the future value of a monthly SIP. See the amount invested, the estimated returns and how your investment could grow year by year.
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