Multi-goal SIP calculator
Most people save for more than one thing at a time. List up to five goals and see, for each, what it may cost when it falls due and the monthly SIP that would reach it — and what they add up to together.
Illustrative only — this is not a projection or a promise of returns. Every figure below is arithmetic applied to the rate of return you typed in. H2 Investment is not suggesting that rate, forecasting it, or promising it. Returns are market-linked, vary from year to year, and can be negative.
Each row is one goal’s cost aged forward at its own inflation, and the monthly SIP that would reach it at the return you set. The total is their sum — an illustration, not a projection.
What this is, and what it isn’t
This is arithmetic on the numbers you typed. It compounds them at the rate you chose and shows you the result. That is all it does.
It is an illustration, not a projection. It is not a forecast, not a recommendation, and not an offer. Nobody knows what any investment will return, so the rate you enter is an assumption you are making, not a rate anyone is offering you. Real returns arrive unevenly — good years, flat years and falling years, in an order nobody can predict — and that order matters as much as the average.
Use the output the way you’d use a rough estimate on the back of an envelope: to see whether the shape of a plan is roughly right, not to decide what a specific rupee amount will be worth on a specific date.
This is arithmetic on the costs and rates you enter. Run it at two or three return and inflation rates and look at the spread; the order of magnitude matters more than any single figure.
What this calculation assumes
For each goal: cost then = cost today × (1 + inflation)^years, and the monthly SIP is the instalment that grows to that cost by then at the return you set. The total is the sum of the goals. Behind it:
- One assumed return for every goal. The same rate is used whether a goal is three years away or twenty. In practice money for a near goal is often kept somewhere steadier, which usually means a lower rate; try a lower figure and see what it does.
- Each goal has its own inflation. Prices are assumed to rise by the percentage you set for that goal, the same every year. Education costs, for example, often rise faster than the general rate.
- Separate SIPs, each stopping when its goal falls due. The total is what you would put in during the first month. It comes down each time a nearer goal is reached.
- Monthly instalments, paid at the start of each month, with returns compounded monthly, and no tax, exit load or other cost taken out.
New to the idea behind this? Setting a financial goal walks through it in plain language.
Saving for one goal at a time? See the plan-by-goal pages.
About these calculators
How do I plan SIPs for more than one goal?
Treat each goal on its own: put a cost on it in today’s money, age that cost forward at an inflation rate you assume, and work out the monthly SIP that reaches it by the date it falls due. The total of those SIPs is what all the goals ask of you each month while every one of them is still ahead.
Why does the total come down over time?
Each goal’s SIP is assumed to stop once that goal falls due. So the near goals drop out first, and only the later ones keep running.
Is this figure a projection of what I will earn?
No. Every figure here is an illustration produced from the numbers you type in, at a rate of return you choose yourself. It is arithmetic, not a forecast: mutual fund returns are market-linked and not assured, and the actual outcome will differ.
What rate of return should I assume?
That assumption is yours to make — the tool leaves it in your hands on purpose. A rate you enter is an illustration, not a rate we are promising or suggesting is likely. If you want to understand what drives returns in different kinds of funds, the explainers do that without putting a number on the future.
Does this account for tax, expense ratio or exit load?
Unless a field asks for it, no — the core calculators show how compounding works on the inputs you give. Real outcomes are reduced by the scheme’s expense ratio, by any exit load, and by tax on your gains.
Why do your figures differ from another site’s calculator?
Almost always because of the assumptions, not the maths — the return rate, whether tax and costs are included, and how compounding frequency is handled. Change those to match and the numbers converge. Every one of these is an illustration of arithmetic, not a claim about a real scheme.
Is an SIP better than investing a lump sum?
Neither is universally better — they suit different situations. An SIP spreads your investment across many dates, which fits money that arrives monthly and takes the timing decision off your plate; a lump sum puts money to work at once, which fits money you already hold. Which applies to you depends on your cash flow and goal, so it is a conversation rather than a rule. SIP or lump sum, compared goes deeper.
Talk to us
If you’d rather go through your own numbers with a person than a form, that’s what we’re for. You’ll speak to Himani, who runs H2 — the same person every time.
Other calculators
See all calculators. None of these ask for your name, your phone number or your PAN. Nothing you type is stored or sent anywhere. Use them as often as you like without hearing from us.