SIP Optimizer
Calculate your Investible Surplus by entering your assets, liabilities, and monthly investments to maximize your financial potential!
Personal details
Income & Expenses
Income | |
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|
₹
|
Total | ₹00 |
Expenses | |
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|
₹
|
|
₹
|
|
₹
|
Total | ₹00 |
Investment details
Current investments overview | ||
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Assets name |
Current corpus (₹)
(Enter value of all your investments)
|
Monthly contribution (₹)
(Amount you are investing monthly)
|
Mutual Fund |
₹
|
₹
|
Gold |
₹
|
₹
|
Stocks |
₹
|
₹
|
Fixed Deposits |
₹
|
₹
|
Others |
₹
|
₹
|
Total | ₹00 | ₹00 |
Current investments overview | |
---|---|
Mutual Fund | |
|
₹
|
|
₹
|
Gold | |
|
₹
|
|
₹
|
Stocks | |
|
₹
|
|
₹
|
Fixed Deposits | |
|
₹
|
|
₹
|
Others | |
|
₹
|
|
₹
|
Total Current corpus (₹) | ₹00 |
Total Monthly contribution (₹) | ₹00 |
Goals
Goal name | Desired corpus (₹) (Required goal amount) | No. of years (Goal completion time) | Expected rate of return (Expected annual growth rate) | |
---|---|---|---|---|
Retirement Edit |
₹
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%
|
||
Child’s education Edit |
₹
|
%
|
||
Child’s marriage Edit |
₹
|
%
|
||
+ Add Goal |
Retirement Edit | ||
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₹
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₹
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%
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Child’s education Edit | ||
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₹
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₹
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%
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Child’s marriage Edit | ||
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₹
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₹
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%
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- Tailored insights on investor's portfolio and evaluation of progress toward goals to help investors make informed decisions.
- Know the ideal SIP amount required to meet the desired goals within the expected timeline and reduce the risk of under-investing.
- Set and track multiple financial goals with discipline and focus.
- Identify surplus income that can be invested to accelerate goal achievement.
Goal Name |
What I am investing / Month
Current SIP
Time
Goal amt
|
What I must invest / Month
Required
SIP Time
Expected
Corpus |
What I can invest / Month
Potential
SIP Time
Expected
Corpus |
Dream Home |
₹20,000
8 Y
₹1,00,00,000
|
₹22,000
9 Y
₹2,00,00,000
|
₹25,000
5 Y
₹3,00,00,000
|
Marriage | ₹10,000
5 Y
₹70,00,000
|
₹10,000
5 Y
₹70,00,000
|
₹10,000
5 Y
₹70,00,000
|
First Car |
₹5,000
3 Y
₹20,00,000
|
₹5,000
3 Y
₹20,00,000
|
₹5,000
3 Y
₹20,00,000
|
Vacation |
₹5,000
2 Y
₹5,00,000
|
₹5,000
2 Y
₹5,00,000
|
₹5,000
2 Y
₹5,00,000
|
Total | ₹5,00,000 ₹1,95,00,000 |
₹50,000 ₹2,07,00,000 |
₹60,000 ₹2,07,00,000 |
---|
Dream Home
What I am investing / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
What I must invest / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
What I can invest / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
|
- You are currently under-investing in your SIP.
ARN name | : Not Available |
ARN no | : Not Available |
Mobile no | : Not Available |
: Not Available |
SIP Optimizer Report
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John Doe |
![]() |
65 years | |
![]() |
3/11/1989 |
![]() |
08888888888 | |
![]() |
3 |
![]() |
[email protected] |






Goal Name |
What I am investing / Month
Current SIP
Time
Goal amt
|
What I must invest / Month
Required
SIP Time
Expected
Corpus |
What I can invest / Month
Potential
SIP Time
Expected
Corpus |
Dream Home | ₹20,000
8 Y
₹1,00,00,000
|
₹20,000
8 Y
₹1,00,00,000
|
₹25,000
5 Y
₹1,00,00,000
|
Marriage | ₹10,000
5 Y
₹70,00,000
|
₹10,000
5 Y
₹70,00,000
|
₹10,000
5 Y
₹70,00,000
|
First Car |
₹5,000
3 Y
₹20,00,000
|
₹5,000
3 Y
₹20,00,000
|
₹5,000
3 Y
₹20,00,000
|
Vacation |
₹5,000
2 Y
₹5,00,000
|
₹5,000
2 Y
₹5,00,000
|
₹5,000
2 Y
₹5,00,000
|
Total | ₹40,000 ₹1,95,00,000 |
₹50,000 ₹2,07,00,000 |
₹60,000 ₹2,07,00,000 |
---|
Total monthly income | ₹0 |
Monthly fixed expenses | ₹1,00,000 |
Monthly expenses towards EMI | ₹0 |
Other expenses | ₹0 |
Asset name | Current corpus | Monthly investments |
---|---|---|
Mutual fund | ₹0 | ₹0 |
Gold | ₹0 | ₹0 |
Stocks | ₹0 | ₹0 |
Fixed Deposits | ₹0 | ₹0 |
Others | ₹0 | ₹0 |
Total | 0 | 0 |

- You are currently under-investing in your SIP.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
FAQs on SIP Optimizer calculator
What is the SIP Optimizer Tool?
The SIP Optimizer Tool is designed to help you plan your SIP investments better by:
- Showing how much you’re investing right now.
- Highlighting how much you need to invest to achieve your financial goals.
- Calculating your maximum SIP potential based on your income.
- Providing a personalized PDF report with all these insights.
What are the benefits of downloading the report?
- A clear view of your current SIP status and future investment needs.
- Easy-to-understand breakdown of your potential SIP growth.
- Helps you make informed decisions with step-by-step guidance.
- A ready reference to share with your financial planner or family.
How to use the SIP Optimizer Tool?
- Enter your current monthly SIP amount.
- Input your financial goal amount and timeline.
- Provide details about your income and expenses.
- Click "Calculate" to get your personalized insights.
- Download the detailed report for actionable recommendations.
Disclaimer
The calculators are based on past returns and meant for illustration purposes only. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Mutual Fund category wise returns are shown as per the category prescribed in latest AMFI Best practice Guidelines (AMFI BPG) and any such guidelines issued by AMFI from time to time. The calculator uses information that is publicly available and information developed in- house. Information gathered and material used in this calculator is believed to be from reliable sources. DSP Mutual Fund however does not warrant the accuracy, reasonableness and/or completeness of any such information. It is neither an investment advice nor should it be construed as indicative of any returns of the schemes of DSP Mutual Fund. In view of the individual circumstances and risk profile, each investor is advised to consult their investment/ tax advisor(s) before making a decision to invest. Investments made in mutual fund schemes carry high risk and there is no assurance or guarantee that the objective of the schemes will be achieved. Past performance may or may not be sustained in future and is not a guarantee of any future returns. There is no assurance of any returns/capital protection/capital guarantee to the investors in any of the schemes of DSP Mutual Fund. The AMC nor any person connected does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.