Goal · pure arithmetic
What would your goal actually require?
Corpus target, timeline, contributions — and the compound return the combination demands. The calculator does no forecasting and gives no advice; it shows the arithmetic your plan is implicitly assuming, so the assumption is a decision instead of a surprise.
Your plan
Monthly compounding; contributions land at month-end; taxes, costs and step-ups are ignored. Change a number and everything recomputes — nothing leaves your browser.
Required return, with your SIP
—
the CAGR your plan is implicitly assuming
Required return, corpus alone
—
if contributions stopped today
Corpus at horizon, at your assumed return
—
SIP that closes the gap
—
monthly, at your assumed return
The path, year by year
corpus + SIP at assumed return
corpus alone
target
The honest arithmetic
Long-run context: broad Indian large-cap total-return indices have compounded at roughly
11–13% a year over multi-decade windows — with individual years anywhere between roughly
−50% and +75%. A plan that needs more than the long-run band every single year is a plan
about the assumption, not the market.
Drawdowns compound against you asymmetrically: a −30% year needs
+43% to get back to even, and a −50% year needs +100%. Avoiding one large
drawdown is worth more than several brilliant years.
The two levers that are always available: the contribution and the
timeline. Both are decisions. The return is not.