---
title: "Goal Planner: SIP Needed for a Financial Goal | RupeeCase"
description: "Goal planner: the monthly SIP needed to reach a goal in a set number of years, after inflation and existing savings, with an affordability check against income."
source_url: "https://www.rupeecase.com/learn/tools/goal-planner"
---

Monthly SIP needed**₹40,347**
Goal in 10 years, after inflation**₹89.5 L**
SIP as a share of income**40.3%**over 30% of income
Existing savings grow to**₹0**
Growth earned**₹41.1 L**
SIP needed at the Dynamic Asset Allocator model CAGR**₹6,960**Dynamic Asset Allocator, model, back tested CAGR 45.18% as of 27 Apr 2026. Not a promise of future returns.

* Projected
* Goal
* The same SIP at the Dynamic Asset Allocator model CAGR

Set inflation to 0 to plan the goal in future rupees. Instalments at month end.
      Share this resultReset

  01How it works

## In plain words.
The goal is grown by inflation to the year you need it. Existing savings compound towards it. The SIP covers the rest: the calculator solves the SIP formula backwards for the instalment that fills the gap.

    The formula

`Goal then = goal today x (1 + inflation)^years``Gap = goal then - savings x (1 + i)^n``SIP = gap x i / ((1 + i)^n - 1)`

  02Worked example

## The default numbers, by hand.
Rs 50 lakh in today’s rupees, 10 years, 6% inflation, 12% return: the goal becomes about Rs 89.5 lakh, and the SIP needed is about Rs 40,300 a month, 40% of a Rs 1 lakh income. Set inflation to 0 and it falls to about Rs 22,500.

| Input | Value |
| --- | --- |
| Goal in today’s rupees | ₹50,00,000 |
| Years to the goal | 10 years |
| Expected return a year | 12% |
| Inflation a year | 6% |
| Already saved for it | ₹0 |
| Monthly income | ₹1,00,000 |

| Result | Value |
| --- | --- |
| Monthly SIP needed | ₹40,347 |
| Goal in 10 years, after inflation | ₹89.5 L |
| SIP as a share of income | 40.3% |
| Existing savings grow to | ₹0 |
| Growth earned | ₹41.1 L |
| SIP needed at the Dynamic Asset Allocator model CAGR | ₹6,960 |

  03Key concepts

## What to know before you use it.

### Today’s rupees
A goal priced today will cost more later. Planning in today’s rupees and adding inflation keeps the target honest.

### The affordability check
The SIP as a share of income is shown with simple markers: under 20%, 20% to 30%, over 30%. A high share is a prompt to look at the horizon, the goal or the savings.

### Good to know

* A separate SIP per goal keeps the tracking simple.
* For goals a few years away, the asset allocation calculator shows how short horizons limit equity in a textbook split.

  04Assumptions

## What the calculator assumes.

* One constant return and one inflation rate.
* Instalments at month end; no tax or costs.

  05Questions

## Asked about the Goal planner.
How do I calculate the SIP needed for a goal?Grow the goal by inflation to its date, subtract what existing savings will grow to, and solve SIP = gap x i / ((1 + i)^n - 1) with i the monthly rate.

Should I plan with inflation?For goals priced today, yes; the calculator adds it. Set inflation to 0 if the goal is already in future rupees.

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06Keep going

## Learn the idea, see it applied.

  [Module 2.5Building Your First Systematic Strategy9 min read, Path 02](/learn/path-2/module-2-5-building-your-first-strategy)[Module 7.3Inflation: Types, Measurement, and Investment Impact10 min read, Path 07](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact)[The matching indexLarge Mid Hybrid40 equity stocks plus 20% LiquidCase. 80/20 equity-plus-debt on the LargeMidCap 250.CAGR33.2%Sharpe1.67Max DD−18.3%Model, back tested, as of 27 Apr 2026. Not client returns, not a promise. Risk band: Moderate.](/strategies/large-mid-hybrid)

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  Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.