Finance question
How much SIP should I invest every month to reach ₹1 crore?
Last updated 2026-09-17
Quick answer
At an assumed 12% annualised return, a ₹1 crore goal takes roughly ₹10,200 a month for 20 years, or about ₹21,000 a month for 15 years. At 10% you need more SIP for the same deadline. Markets do not pay a fixed 12% — treat every rupee here as a planning model. For live step-up, reverse timing and editable target, use the SIP for ₹1 crore article.
Calculate your numbers
Tables below use stated assumptions. Change rate, tenure or income in the calculator for your case.
Open SIPThe return assumption is the whole story
Equity SIPs can finish well above or below 12%. Debt will usually sit lower. Enter a conservative rate in the SIP calculator if the goal is non-negotiable (a child’s year-18 corpus). The interactive SIP for ₹1 crore article adds step-up, an existing lumpsum field, and a reverse “when do I hit the target” timer on the same engine.
Worked example
Target ₹1 crore, 20 years, 12% assumed. The required SIP is the P that makes the SIP future-value formula equal ₹1 crore. Invested principal is P × 240; the rest is modelled compounding, not a promised gain.
Formula
FV = P × ((1 + r)^n − 1) / r × (1 + r), with r = assumed annual rate ÷ 12 and n = months. Solve for P to hit FV = ₹1 crore.
Example scenarios
Monthly SIP to reach ₹1 crore (modelled)
| Years | At 10% assumed | At 12% assumed | Amount you would invest at 12% |
|---|---|---|---|
| 10 | ₹48,414 | ₹43,041 | ₹51,64,865 |
| 12 | ₹35,876 | ₹31,032 | ₹44,68,550 |
| 15 | ₹23,928 | ₹19,819 | ₹35,67,352 |
| 18 | ₹16,513 | ₹13,064 | ₹28,21,909 |
| 20 | ₹13,060 | ₹10,009 | ₹24,02,047 |
| 25 | ₹7,474 | ₹5,270 | ₹15,80,915 |
Constant monthly return derived from 10% or 12% a year. Not a fund guarantee.
What changes the answer
- Years available
- Assumed return
- Step-ups (not modelled here)
- Expense ratio — enter a net return
Things to consider
- Inflation will make ₹1 crore less powerful in 20 years — see the inflation question.
- Do not chase 12% in a debt fund just because this table used 12%.
- Monthly compounding SIP formula used by the site calculator.
- No taxes, exit loads or missed SIPs.
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.
FAQs
No. It is a planning rate many equity long-term illustrations use. Your SIP can lose value.