SIP Calculator for 1 Crore
How much should you invest monthly to build a 1 crore corpus? Set your return and timeframe to see the required SIP.
Reaching a 1 crore corpus is the flagship milestone of Indian investing — and the monthly SIP it demands depends almost entirely on how early you start. Stretch the timeframe from ten to twenty years and the required monthly investment can fall by more than half, because the extra years give compounding far more room to work.
Monthly SIP needed to reach 1 Crore (at 12% p.a.)
At a 12% expected annual return, this is roughly the monthly SIP required to reach a 1 Crore (1,00,00,000) corpus over different timeframes. Notice how a longer horizon sharply cuts the monthly amount needed.
| Timeframe | Required monthly SIP |
|---|---|
| 10 years | 43,041 |
| 15 years | 19,819 |
| 20 years | 10,009 |
| 25 years | 5,270 |
How this reverse SIP calculation works
This is the standard SIP formula run backwards. Instead of starting from a monthly amount and projecting a maturity value, we fix the target — 1 Crore (1,00,00,000) — along with an expected return and timeframe, then solve for the monthly investment that gets you there. The required SIP falls fastest when you extend the years, because the extra time lets compounding shoulder more of the goal.
SIP vs lumpsum for this goal
If you have a windfall, compare investing it at once with our Lumpsum Calculator, or check what your money will be worth in real terms with the Inflation Calculator.