Saving for something big?
How much SIP for your goal?
- What the goal will cost by then
- The monthly SIP that gets you there
- Moving to safety near the date
- You put in₹38.49 L49%
- Growth₹39.97 L51%
On the way to your goal
Your inputs
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What this means
- ₹25 L today costs ₹78.46 L by 2038 at 10% a year.
Why?
Education fees have risen about 10% a year in India; homes, cars and weddings more slowly. Plan for the goal's own inflation.
- From 2035, move it to debt a little each month. New money goes straight there.
Why?
A goal with a fixed date can't wait for markets to recover. The shift costs some growth and buys certainty.
- Tax on the gains takes ₹5.03 L if you sell it all in 2038, so you would keep ₹73.43 L, short of ₹78.46 L.
Why?
Assumes an equity fund sold in one go: gains pay 12.5% above ₹1.25 L a year, plus 4% cess. Debt funds and FDs are taxed at your slab instead. Starting at ₹20.6K/mo instead of ₹19.1K/mo covers it.
- Keep it apart from your emergency fund and retirement.
Why?
Money with a name and a date is easier to leave alone. A separate fund or folio helps.
More details
If markets fall 30% a year before
- You'd have₹71.53 L
- Goal₹78.46 L
- You'd have₹60.52 L
- Goal₹78.46 L
Same SIP both ways. A fall this size has happened in India in 2008 and 2020.
Tax when you use the money
- Selling it all in 2038 ₹78.46 L fund₹5.03 L tax · you keep ₹73.43 L
Equity fund, sold in one go. To still have ₹78.46 L after tax, start at ₹20.6K/mo instead of ₹19.1K/mo.
Other ways to get there
A SIP rising 5% a year
Depends on returns- Starting at
- ₹19.1K/mo
- You put in
- ₹36.49 L
The same SIP every month
Depends on returns- Each month
- ₹23.7K/mo
Easier to start bigger, harder to keep up.
All of it today
Depends on returns- Put in now
- ₹18.19 L
A bonus or a maturing FD can stand in for years of SIPs.
2 years later
Depends on returns- Each month, starting at
- ₹16.5K/mo
- It costs by then
- ₹94.94 L
More time to compound, but the price keeps rising too.
How it's calculated
- What it will cost: today's price, rising each year by its own inflation. Typical rates: education 10%, a home or wedding 7%, a car 5%.
- The SIP: the smallest monthly amount, rising by your step-up each year, that reaches the cost by the date. Returns compound monthly.
- Moving to safety: in the last years before the goal, an equal share of the equity moves to debt each month and new money goes straight to debt.
- The stress test: equity falls 30% a year before the goal, with the same SIP.
- Later: the same goal 2 years later, at its higher price.
The SIP aims for the goal before tax. The tax panel shows what selling the fund costs and the higher SIP that covers it. Planning maths, not advice on any product. Returns aren't guaranteed.
Tax if you sell (equity funds). Units held a year or more pay 12.5% on gains above ₹1.25 L a year; units held under a year pay 20%. Both add 4% cess.
Tax = max(0, gain − ₹1.25 L) × 12.5% × 1.04
You keep = value − tax
After-tax return = (you keep ÷ put in)1/years − 1
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.