Financial Calculators
Goal SIP with Existing Corpus
You are not starting from zero. Count what you already have, then fund only the gap.
Fresh SIP needed
₹7,936
- Existing corpus grows to
- ₹59,95,802
- Gap the SIP must fill
- ₹40,04,198
Your existing investments do part of the job; the SIP only funds the gap. This is how goal planning should work: count what you already have before deciding what to add.
Plan from where you stand
Most goal calculators assume you start from nothing, which overstates the SIP and demoralises the saver. The honest method grows your existing corpus to the goal date first, and asks the SIP to cover only what remains.
This is also the right way to review progress annually: as the corpus grows, the required fresh SIP shrinks, which is compounding working in your favour, visibly.
Corpus first, SIP second
FV of corpus = corpus x (1 + i)^n\nGap = target - FV of corpus\nSIP = gap / annuity-due factor(i, n)Worked example: for a Rs 1 crore goal in 15 years at 12%, an existing Rs 10,00,000 grows to about Rs 59,95,802, leaving a gap of Rs 40,04,198; a fresh SIP of just Rs 7,936 a month covers it.
Frequently asked questions
Why is the required SIP so small here?
Because the existing corpus does most of the heavy lifting over 15 years. Money already invested is the strongest ally a goal has.
Should the corpus and SIP use the same return?
If they sit in similar portfolios, yes. If the corpus is in FDs while the SIP goes to equity, run the numbers with a blended rate from the Portfolio Return calculator.
What if my corpus already covers the goal?
The calculator will say SIP not needed. Consider de-risking that goal's money progressively as the date approaches rather than stopping contributions everywhere.
How often should I redo this?
Once a year, or after any large addition. The shrinking required SIP is the best progress report there is.
Every goal deserves this arithmetic.
We map each family goal to what exists and what is needed, then automate it.