Is the Required SIP Calculator free to use?

Yes. The Required SIP Calculator on Niyamfin is completely free. All calculations run in your browser — no login, no account, and your inputs are never sent to any server.

How accurate is the Required SIP Calculator?

The Required SIP Calculator uses standard financial formulas (Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months.). Results are illustrative estimates based on the inputs you provide. They are educational in nature and not a substitute for advice from a qualified financial professional.

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Investment · Client-side estimate

Required SIP Calculator

Find the monthly SIP you need to reach a target corpus in a given time at an expected return.

Investment

Target corpus

How much do you want to accumulate? e.g. ₹1 Cr = 10000000

Expected return

Time horizon

Existing savings (optional)

Amount already invested that will also grow at the same rate.

Your entries are used only in this browser session. Niyamfin does not store calculator inputs or add analytics trackers.

Formula and assumptions

Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months.

- Contributions made at the beginning of each month (annuity due).
- Returns are compounded monthly at the annual rate entered.
- Existing savings grow at the same rate for the full period.
- Does not account for taxes, fund expenses, or irregular top-ups.

This calculator is for education and illustration only. It is not financial, investment, tax, insurance, lending, or legal advice. Please consult a qualified professional before making financial decisions.

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How this calculator works

Last reviewed: 20 June 2026

Formula used

Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months.

Assumptions

Contributions made at the beginning of each month (annuity due).
Returns are compounded monthly at the annual rate entered.
Existing savings grow at the same rate for the full period.
Does not account for taxes, fund expenses, or irregular top-ups.

Source checked

See the methodology page for the formulas and assumptions behind this estimate.

What this calculator does not include

This is a simplified educational estimate. It does not account for taxes, fees, market volatility, or your full personal circumstances.

Niyamfin is an independent educational tool — not an investment adviser, broker, lender, distributor, or insurance intermediary. Results are illustrative only and do not constitute financial, tax, insurance, or legal advice. For regulated advice, consult a SEBI-registered investment adviser, IRDAI-licensed insurance professional, or qualified tax practitioner.

Educational estimate only — not financial, tax, or investment advice. Verify important decisions with a qualified professional.

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Formula and assumptions

Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months.

- Contributions made at the beginning of each month (annuity due).

- Returns are compounded monthly at the annual rate entered.

- Existing savings grow at the same rate for the full period.

- Does not account for taxes, fund expenses, or irregular top-ups.

How this calculator works

Last reviewed: 20 June 2026

Formula used

Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months.

Assumptions

Contributions made at the beginning of each month (annuity due).
Returns are compounded monthly at the annual rate entered.
Existing savings grow at the same rate for the full period.
Does not account for taxes, fund expenses, or irregular top-ups.

Source checked

See the methodology page for the formulas and assumptions behind this estimate.

What this calculator does not include

This is a simplified educational estimate. It does not account for taxes, fees, market volatility, or your full personal circumstances.

Educational estimate only — not financial, tax, or investment advice. Verify important decisions with a qualified professional.