SIP Target 1 Crore Calculator
Last Updated: 8 April 2026
Target SIP Calculator
Calculate how much to invest monthly to reach your goal
How it Works & Benefits
Reverse Calculation
Tells you how much to invest to reach a specific goal amount.
Goal Planning
Perfect for planning Child Education, Marriage, or Retirement corpus.
Wealth Visualization
See the split between your money vs market returns.
Frequently Asked Questions
Common queries answered for you
Assuming a 12% annual return, you need to invest approximately ₹43,041 per month to reach ₹1 Crore in 10 years.
If you invest ₹10,000 monthly at 12% return, it will take about 20 years to reach a corpus of ₹1 Crore.
It depends on your lifestyle and inflation. If inflation is 6%, the value of 1 Crore after 20 years will be much less. Financial experts suggest aiming for 2-3 Crores for a comfortable retirement.
Small-cap and Mid-cap equity mutual funds have historically delivered 15-18% returns over long periods (10+ years), but they come with high volatility.
Additional Information
How to become a Crorepati?
The secret to reaching ₹1 Crore isn't earning a high salary, but starting early. This calculator works backwards: you tell us your dream amount, and we tell you the monthly savings needed to reach it.
The 15-15-15 Rule
A famous rule in personal finance says: If you invest ₹15,000 per month for 15 years at 15% return, you will get ₹1 Crore. You can verify this using the calculator above!
What is Target SIP Calculator (₹1 Crore Goal)?
This is a Goal-Based SIP Calculator. Instead of asking 'How much will I get?', it asks 'How much do I need to invest?'. You set a target amount (e.g., ₹1 Crore) and a time period, and it calculates the monthly SIP required to achieve that goal at a given interest rate.
📊 Practical Example
"To save ₹1 Crore in 15 years (assuming 12% returns), you don't need to save ₹1 Crore/15 years. You only need to start a monthly SIP of roughly ₹20,017. The power of compounding covers the rest."
⚠️ Common Mistake
Not accounting for inflation. ₹1 Crore today will not have the same value 20 years from now. Always aim for a higher corpus than you think you need.
How it Works & Benefits
Goal Reverse Calc
Tells you the SIP amount needed for a specific target.
Inflation Ready
Helps you realize that ₹1 Cr today != ₹1 Cr in 20 years.
Retirement Plan
Perfect for planning retirement corpus requirements.
Frequently Asked Questions
Common queries answered for you
At 12% expected return, you need to invest approx ₹43,041 per month to reach ₹1 Crore in 10 years.
At 12% expected return, you need to invest approx ₹20,017 per month. Time is money—starting 5 years earlier halves your burden.
Yes, but it will take time. At 12% return, a ₹5,000 monthly SIP will take about 26 years to reach ₹1 Crore.
No. Mutual funds are subject to market risks. However, Nifty 50 has historically delivered 12-14% CAGR over 15+ year periods.
Additional Information
The 15-15-15 Rule
In the world of mutual funds, the 15-15-15 rule says that if you invest ₹15,000 per month for 15 years at 15% return, you will become a Crorepati (approx ₹1 Crore).