How this works
This works backwards from a target amount: given how many years you have and the return rate you expect, it solves for the fixed monthly contribution needed to reach that goal exactly — the reverse of a SIP calculator, which starts from a contribution and projects forward.
Common questions
What if I can't afford the monthly amount it suggests?
You have three levers to adjust: save for longer, accept a smaller goal, or find a higher-return (and typically higher-risk) investment — try changing the years or target amount here to see how much difference each one makes.
Does it assume the return rate stays exactly the same every year?
Yes — it's a single fixed rate for the whole period, which is a simplification since real returns vary year to year. Treat the monthly figure as a planning estimate, not a guarantee, and revisit it periodically as actual returns come in.