How much SIP is needed for ₹1 crore in 15 years?

About ₹19,800 a month at an assumed 12% yearly return. At 10% it rises to roughly ₹23,900. The calculator shows the exact figure for any target, period and return.

Should I plan for inflation?

Yes. A goal that costs ₹25 lakh today can cost about ₹50 lakh in 12 years at 6% inflation. Set the target in future rupees, or raise your SIP every year with a step-up.

Required SIP calculator

Seven calculators. Pick a question, move the sliders, get your number.

From "how much SIP do I need?" to "should I prepay my home loan?". Every result is illustrative, at the return you choose.

Target Wealth SIP Calculator

Know Your Required Monthly SIP Amount

Calculate the exact monthly SIP needed to build your target wealth. Enable Annual Step-Up SIP to start smaller today and step up as your income grows!

Target Wealth Goal

₹

₹1 Lakh₹1 Cr₹50 Lakh₹10 Crore

Tip: You can manually type exact amounts like 3 Lakh, 2,50,890 or 1.5 Cr above.

Time Period

Yrs

1 Yr15 Yrs35 Yrs

Expected Return (CAGR)

6% (Debt/FD)13% (Equity Average)20% (High Growth)

Annual Step-Up SIP Mode

Increase SIP yearly with your salary appraisal

Annual Step-Up Percentage:+10% Every Year

1% Min10% (Recommended)30% Max

✨ Benefit: With +10% annual step-up, you only need to start with ₹10,629/month in Year 1 instead of ₹17,996/month!

Step-Up SIP Plan (+10%/Yr)Target: ₹ 1.00 Cr in 15 Yrs

Starting Monthly SIP (Year 1)

₹10,629/ mo

First 12 months installment

Final Year Monthly SIP (Year 15)

₹40,365/ mo

Stepped-up installment in Yr 15

Flat SIP would require ₹17,996/mo from Day 1.

Saves ₹7,367/mo today!

Total You Invest₹ 40.5 L(41% of Goal)

Compound Wealth Gain₹ 59.5 L(59% of Goal)

Target Maturity Corpus₹ 1.00 Cr100% Goal Met

Wealth Accumulation TimelineCompounding at 13% CAGR

In 3 Years

₹ 5.14 L

In 5 Years

₹ 10.7 L

In 10 Years

₹ 37.8 L

Target Maturity

₹ 1.00 Cr

Required SIP calculator: common questions

: About ₹19,800 a month at an assumed 12% yearly return. At 10% it rises to roughly ₹23,900. The calculator shows the exact figure for any target, period and return.
: Yes. A goal that costs ₹25 lakh today can cost about ₹50 lakh in 12 years at 6% inflation. Set the target in future rupees, or raise your SIP every year with a step-up.

Target Goal Precision

Instead of arbitrary investing, calculate the exact monthly SIP needed to fund life milestones like a ₹1 Crore home downpayment or child higher education.

Reverse SIP Compounder

Rupee-Cost Averaging

SIP removes the stress of timing market peaks by automatically purchasing more mutual fund units when valuations are lower.

Protects against volatility

The Power of Step-Up SIP

Increasing your monthly investment by just 10% annually with salary hikes can boost your final accumulated corpus by up to 80%.

Accelerated Compounding