Calculators
Goal Calculator
Find the SIP or lumpsum needed to reach a target corpus.
₹1.00 Cr
Monthly SIP needed
₹19,819
Or a one-time lumpsum of ₹18,26,963 today
- You invest₹35,67,352
- Est. gains₹64,32,648
Disclaimer: Investment in securities market is subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Ocean Veda Capital is an authorized person of Mirae Asset Sharekhan Financial Services (MASFS). MASFS is a SEBI registered stock broker with NSE, BSE and MCX.
Helpful context
How the goal calculator works
The Goal Calculator starts with a target amount and works backwards. Using the chosen timeline and assumed annual return, it estimates either the monthly SIP or the one-time investment needed today. This makes a future target easier to translate into a practical savings figure.
For the monthly estimate, the formula applies a monthly rate across all planned contributions. For the lumpsum estimate, it discounts the future target using annual compounding. A shorter timeline or lower assumed return generally requires a larger contribution. The target should also be reviewed for inflation where the future cost may rise.
For example, targeting Rs 25 lakh in 10 years at an assumed annual return of 10% requires an estimated monthly SIP of about Rs 12,103 or a one-time investment of about Rs 9.64 lakh. These are planning estimates and do not include taxes, costs or changing market returns.
Revisit the calculation when the target cost, available timeline or monthly saving capacity changes so the plan continues to reflect current circumstances over time.
Frequently asked questions
- Should the goal amount include inflation?
- Yes, where the future cost is likely to rise. Estimate the amount needed at the goal date rather than using only today's price.
- Why are both SIP and lumpsum figures shown?
- They illustrate two funding approaches: regular monthly contributions or a single amount invested for the full period.
- Is the expected return guaranteed?
- No. It is an assumption used for the calculation, and actual investment performance may be higher or lower.