How much SIP is needed to reach ₹1 crore in 10 years?
To reach ₹1 crore in 10 years at 12% a year, invest about ₹44,636 a month. You put in ₹53.56 L and growth supplies ₹46.44 L.
- Monthly SIP needed
- ₹44,636 (good)
- For 10 years at 12% a year
- Money you put in
- ₹53.56 L
- 54% of the goal
- Growth
- ₹46.44 L (good)
- 46% of the goal
- Goal in today's money
- ₹55.84 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹30,591
- Ends at ₹72,133 a month
Open the Goal SIP Calculator with these numbers filled in
The numbers in charts
Your money vs growth in reaching the goal
- Your money₹53.56 L · 53.6%
- Growth₹46.44 L · 46.4%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹53.56 L | 53.6% |
| Growth | ₹46.44 L | 46.4% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹5.36 L | ₹34,213 | ₹5.7 L |
| 2 | ₹10.71 L | ₹1.37 L | ₹12.08 L |
| 3 | ₹16.07 L | ₹3.16 L | ₹19.23 L |
| 4 | ₹21.43 L | ₹5.81 L | ₹27.23 L |
| 5 | ₹26.78 L | ₹9.42 L | ₹36.2 L |
| 6 | ₹32.14 L | ₹14.11 L | ₹46.24 L |
| 7 | ₹37.49 L | ₹20 L | ₹57.49 L |
| 8 | ₹42.85 L | ₹27.24 L | ₹70.09 L |
| 9 | ₹48.21 L | ₹35.99 L | ₹84.2 L |
| 10 | ₹53.56 L | ₹46.44 L | ₹1 Cr |
SIP for ₹1 crore in 10 years at different returns
A higher return cuts the SIP you need, but it also raises the risk that the goal is missed; a rising SIP lowers the starting amount.
| Yearly return | Flat monthly SIP | Year-1 SIP, rising 10% a year | Total you invest (flat SIP) | Share that is growth |
|---|---|---|---|---|
| 8% | ₹55,162 | ₹36,756 | ₹66.19 L | 34% |
| 10% | ₹49,638 | ₹33,551 | ₹59.57 L | 40% |
| 12% | ₹44,636 | ₹30,591 | ₹53.56 L | 46% |
| 14% | ₹40,114 | ₹27,865 | ₹48.14 L | 52% |
Year by year: ₹44,636 a month towards ₹1 crore
Watch the growth share climb: in the early years most of the balance is your own money, near the end most of it is growth.
| Year | You have put in | Value | Growth | Growth share |
|---|---|---|---|---|
| 1 | ₹5.36 L | ₹5.7 L | ₹34,213 | 6% |
| 2 | ₹10.71 L | ₹12.08 L | ₹1.37 L | 11% |
| 3 | ₹16.07 L | ₹19.23 L | ₹3.16 L | 16% |
| 4 | ₹21.43 L | ₹27.23 L | ₹5.81 L | 21% |
| 5 | ₹26.78 L | ₹36.2 L | ₹9.42 L | 26% |
| 6 | ₹32.14 L | ₹46.24 L | ₹14.11 L | 31% |
| 7 | ₹37.49 L | ₹57.49 L | ₹20 L | 35% |
| 8 | ₹42.85 L | ₹70.09 L | ₹27.24 L | 39% |
| 9 | ₹48.21 L | ₹84.2 L | ₹35.99 L | 43% |
| 10 | ₹53.56 L | ₹1 Cr | ₹46.44 L | 46% |
Questions about this scenario
How much SIP is needed to reach ₹1 crore in 10 years?
About ₹44,636 a month at 12% a year. You invest ₹53.56 L in total and growth adds ₹46.44 L. At 10% the SIP rises to ₹49,638, and at 8% it is ₹55,162, so the return you assume changes the answer a lot.
Can I reach ₹1 crore in 10 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹30,591 a month rather than ₹44,636 and reaches the same ₹1 crore at 12%. By year 10 you would be investing ₹72,133 a month, so it suits people whose income grows.
What does ₹1 crore in 10 years mean in today's money?
With 6% yearly inflation, ₹1 crore received after 10 years buys what ₹55.84 L buys today. To end up with ₹1 crore of today's buying power you need ₹1.79 Cr in future rupees, which needs a SIP of about ₹79,936 a month.
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What the numbers say about ₹1 crore in 10 years
Of the ₹1 Cr, you contribute ₹53.56 L (54%) and compounding at 12% supplies ₹46.44 L (46%). Every rupee you put in ends up as about 1.87 rupees at the finish.
With a 10-year horizon, your own contributions stay larger than the growth throughout: at the end ₹53.56 L is yours and ₹46.44 L is growth. A short period leaves compounding little time to work, so the monthly amount does most of the lifting.
The final year adds about ₹10.45 L of growth on its own, 10.4% of the goal. Waiting one year to start means building the same ₹1 crore in 9 years, which lifts the SIP from ₹44,636 to ₹53,013 (19% more); waiting three years takes it to ₹77,639.
If your pay rises, a SIP that increases 10% a year can start at ₹30,591 instead and finish at ₹72,133 a month in year 10. Should ₹1 crore mean what it buys today, the figure must first grow by 6% a year to ₹1.79 Cr, and the SIP becomes ₹79,936. In today's rupees the ₹1 crore you will actually receive is worth ₹55.84 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹55,162 a month instead, and equity returns are far from steady, so many people aim a little above the figure or add a safety margin as the date approaches.