SIP Calculator for 10 Lakh
How much should you invest each month to reach 10 lakh? Set your return and timeframe to see the required SIP.
A 10 lakh corpus is often the first big, nameable milestone an investor sets — an emergency cushion, a down-payment, or a one-year sabbatical fund. Because the target is modest by long-term standards, the required monthly SIP is sensitive to your timeframe: give it a few more years and the monthly amount drops sharply.
Monthly SIP needed to reach 10 Lakh (at 12% p.a.)
At a 12% expected annual return, this is roughly the monthly SIP required to reach a 10 Lakh (10,00,000) corpus over different timeframes. Notice how a longer horizon sharply cuts the monthly amount needed.
| Timeframe | Required monthly SIP |
|---|---|
| 10 years | 4,304 |
| 15 years | 1,982 |
| 20 years | 1,001 |
| 25 years | 527 |
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 — 10 Lakh (10,00,000) — 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.