SIP Goal Planner
Calculate the exact monthly SIP needed to reach your target financial goal within your chosen timeline.
Calculator Inputs
You have 18 years to invest
12–14% → Growth
Increase your monthly investment by this % every year
Financial Disclaimer
Information provided on WealthMaze is for educational purposes only. All return calculations are estimates based on user inputs. Not financial advice.Calculation Output & Analysis
Cost of Delay Table (Impact of Postponing Your Goal)
| If You Start | Monthly SIP Needed | Extra Per Month |
|---|---|---|
| Today | $653 | — |
| In 1 Year | $749 | +$96 |
| In 2 Years | $860 | +$207 |
| In 5 Years | $1,330 | +$677 |
Visualizing Your Growth
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4How to Plan Your SIP Target Goal
A reverse SIP goal planner works backwards from your future financial target to determine the exact monthly contribution required today. Whether saving for early retirement, purchasing a home, or funding higher education, factoring in time horizon and expected compounding rate is essential to avoid under-saving.
The Power of Step-Up SIP
Stepping up your SIP by even 5% or 10% annually allows you to start with a much smaller monthly commitment today. As your career progresses and income rises, increasing your SIP automatically accelerates your timeline to reaching financial freedom.
Frequently Asked Questions (FAQ)
Why does delaying by just 1 or 2 years increase my required SIP so drastically?
Compound interest relies heavily on time. When you delay starting, you lose the most explosive compounding years at the end of your investment horizon. To make up for lost compounding returns, your out-of-pocket contributions must increase exponentially.
Should I include existing savings in the goal planner?
Yes! Entering existing savings reduces the fresh capital you need to contribute monthly, as your existing wealth continues compounding alongside your new SIP installments.