Interactive article
How Much SIP Do You Need for ₹1 Crore? ₹5K, ₹10K, ₹20K & ₹50K Examples
Last updated 2026-09-17 · First published 2026-09-17
Required monthly SIP for a ₹1 crore goal, with live tables for ₹5,000–₹50,000, optional step-up, and inflation. Returns are assumed, not guaranteed.
Quick answer
The monthly SIP that reaches ₹1 crore is whatever the formula needs for your years and the assumed return you type. At an assumed 12% with no existing corpus, twenty years is roughly a ₹10,000-a-month problem — change the rate and that figure moves a lot. Nothing on this page is a guaranteed NAV path.
Interactive ₹1 crore SIP calculator
Target defaults to ₹1 crore and is editable. Tables below are generated from the same engine as the SIP calculator, plus optional step-up and an existing lumpsum.
₹1 crore SIP calculator
Assuming an annualized return of 12.00% for illustration. Mutual fund returns are market-linked. Past performance does not guarantee future results.
Required monthly SIP
₹10,009
20 years · 12.00% assumed
Total amount invested
₹24,02,047
Estimated investment gains
₹75,97,953
Estimated final corpus
₹1,00,00,000
Number of months
240
Inflation-adjusted target
₹3,20,71,355
₹1 today-style target after 20 years at 6.00% inflation
Required SIP by time horizon
Recalculated from the assumed 12.00% return. Not a hard-coded table.
| Time | Required monthly SIP | Total invested | Estimated gain | Target |
|---|---|---|---|---|
| 5 years | ₹1,21,232 | ₹72,73,929 | ₹27,26,071 | ₹1,00,00,000 |
| 10 years | ₹43,041 | ₹51,64,865 | ₹48,35,135 | ₹1,00,00,000 |
| 15 years | ₹19,819 | ₹35,67,352 | ₹64,32,648 | ₹1,00,00,000 |
| 20 years | ₹10,009 | ₹24,02,047 | ₹75,97,953 | ₹1,00,00,000 |
| 25 years | ₹5,270 | ₹15,80,915 | ₹84,19,085 | ₹1,00,00,000 |
| 30 years | ₹2,833 | ₹10,19,855 | ₹89,80,145 | ₹1,00,00,000 |
₹5,000 / ₹10,000 / ₹20,000 / ₹50,000 examples
Estimated corpus at the same assumed 12.00% you set above.
| Monthly SIP | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹5,000 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 | ₹94,88,175 |
| ₹10,000 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 | ₹1,89,76,351 |
| ₹20,000 | ₹46,46,782 | ₹1,00,91,520 | ₹1,99,82,958 | ₹3,79,52,702 |
| ₹50,000 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,396 | ₹9,48,81,755 |
When will I reach ₹1,00,00,000?
You could reach an estimated ₹1,00,00,000 in approximately 20 yrs 1 mo under these assumptions.
Modelled corpus after that time: ₹1,01,01,494.
Normal SIP vs step-up SIP
Assumed return 12.00% — the same editable rate as the rest of this page.
Normal SIP estimated corpus
₹99,91,479
Invested ₹24,00,000 · gains ₹75,91,479
Step-up SIP estimated corpus
₹1,98,88,715
Invested ₹68,73,000 · gains ₹1,30,15,716
Corpus difference: ₹98,97,236 more in the step-up model, mainly because you contribute more as income grows — not because the return rate is higher.
Will ₹1 crore still be enough in the future?
₹1,00,00,000 today may require approximately ₹3,20,71,355 after 20 years to maintain similar purchasing power at an assumed 6.00% inflation rate. After your selected 20-year SIP period the same idea is ₹3,20,71,355.
What determines the SIP needed for ₹1 crore?
Years available, the assumed annualised return, any corpus you already have, and whether the SIP will rise with income. Expense ratios belong inside the return you type (enter a net rate). Taxes on redemption are not subtracted here — listed-equity capital-gains rules live on the capital-gains calculator, not in this SIP engine.
How SIP compounding works
The site treats a SIP as a monthly annuity. Each instalment is added and then grown at a constant monthly rate derived from your annual assumption. Markets do not move in a straight line; the formula is a planning range. The same identity is used in the SIP calculator’s worked example.
SIP formula
FV = P × ((1 + r)n − 1) / r × (1 + r), with r = assumed annual rate ÷ 12 and n = months. For a ₹1 crore target, solve for P. With an existing lumpsum, grow that amount first (same convention as the lumpsum calculator) and SIP only the gap.
₹5,000, ₹10,000, ₹20,000 and ₹50,000 SIP examples
Those four amounts are rows in the live table above, at 10 / 15 / 20 / 25 years, using whatever assumed return you selected. They are not frozen screenshots. If you need a different monthly amount, type it in the reverse calculator.
How much SIP for ₹1 crore in 10, 15, 20 or 25 years?
Read the required-SIP table: 10 years needs a much larger debit than 20 or 25. Starting earlier is mostly more months of compounding, not a bonus from the AMC. The CAGR calculator is useful after the fact, when you have a start value, end value and years — it is not a promised SIP rate going forward.
Normal SIP vs step-up SIP
There is no separate step-up product on this site. The comparison block uses the same monthly compounding as a flat SIP, then raises the debit once a year. A 10% step-up on a ₹10,000 start over 20 years contributes far more principal than a flat ₹10,000. That extra corpus is extra saving, not extra return.
Effect of returns, starting early, and inflation
Drop the assumed return from 12% to 8% and the required SIP jumps. Start 10 years later and it jumps again. Meanwhile ₹1 crore in 20 years buys less: the inflation block uses the inflation calculator’s annual compounding. If ₹1 crore is a lifestyle number, consider raising the target to that inflated figure. Retirement planning that capitalises an inflated spend is on the retirement calculator.
Common mistakes
- Treating 12% as something funds “give”. It is an input you chose.
- Ignoring inflation so the ₹1 crore headline is a 2046 grocery budget from 2026.
- Counting EPF twice — put existing retirement money in the existing-investment field instead of shrinking the SIP by guesswork.
- Using an equity illustration for a goal that is three years away.
- Skipping SIPs and still reading the table as a schedule.
FAQs
It depends on years and the assumed return you type. At an assumed 12% for 20 years the required SIP is about ₹10,200 a month with no existing corpus — change the rate in the calculator; 12% is not a promise.
Related calculators
Related questions
Related articles
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.