Not what your SIP will become. What SIP you actually need — and how far short you are today.
We use the standard SIP future value formula to see where your current SIP is headed, then reverse the same formula to solve for the monthly SIP that would actually hit your target. The gap is the difference between the two.
12% is roughly the long-term historical average for diversified equity investing in India. Actual returns vary year to year and are never guaranteed. You can change this assumption under "Advanced" above.
This version calculates a flat, unchanging monthly SIP. A step-up SIP, where you raise the amount every year with your income, would close the gap faster than shown here. We're working on adding that as a future option.
No. This shows the gap in today's rupee terms only. Your real target corpus, in terms of what it can actually buy, will need to be higher after accounting for inflation over a long time horizon.