How much SIP is needed to reach ₹1 crore in 12 years?
To reach ₹1 crore in 12 years at 12% a year, invest about ₹32,457 a month. You put in ₹46.74 L and growth supplies ₹53.26 L.
- Monthly SIP needed
- ₹32,457 (good)
- For 12 years at 12% a year
- Money you put in
- ₹46.74 L
- 47% of the goal
- Growth
- ₹53.26 L (good)
- 53% of the goal
- Goal in today's money
- ₹49.7 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹20,680
- Ends at ₹59,002 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₹46.74 L · 46.7%
- Growth₹53.26 L · 53.3%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹46.74 L | 46.7% |
| Growth | ₹53.26 L | 53.3% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹3.89 L | ₹24,879 | ₹4.14 L |
| 2 | ₹7.79 L | ₹99,481 | ₹8.78 L |
| 3 | ₹11.68 L | ₹2.3 L | ₹13.98 L |
| 4 | ₹15.58 L | ₹4.22 L | ₹19.8 L |
| 5 | ₹19.47 L | ₹6.85 L | ₹26.32 L |
| 6 | ₹23.37 L | ₹10.26 L | ₹33.63 L |
| 7 | ₹27.26 L | ₹14.54 L | ₹41.81 L |
| 8 | ₹31.16 L | ₹19.81 L | ₹50.97 L |
| 9 | ₹35.05 L | ₹26.17 L | ₹61.23 L |
| 10 | ₹38.95 L | ₹33.77 L | ₹72.72 L |
| 11 | ₹42.84 L | ₹42.74 L | ₹85.59 L |
| 12 | ₹46.74 L | ₹53.26 L | ₹1 Cr |
SIP for ₹1 crore in 12 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% | ₹42,109 | ₹25,767 | ₹60.64 L | 39% |
| 10% | ₹36,995 | ₹23,106 | ₹53.27 L | 47% |
| 12% | ₹32,457 | ₹20,680 | ₹46.74 L | 53% |
| 14% | ₹28,444 | ₹18,475 | ₹40.96 L | 59% |
Year by year: ₹32,457 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 | ₹3.89 L | ₹4.14 L | ₹24,879 | 6% |
| 2 | ₹7.79 L | ₹8.78 L | ₹99,481 | 11% |
| 3 | ₹11.68 L | ₹13.98 L | ₹2.3 L | 16% |
| 4 | ₹15.58 L | ₹19.8 L | ₹4.22 L | 21% |
| 5 | ₹19.47 L | ₹26.32 L | ₹6.85 L | 26% |
| 7 | ₹27.26 L | ₹41.81 L | ₹14.54 L | 35% |
| 10 | ₹38.95 L | ₹72.72 L | ₹33.77 L | 46% |
| 12 | ₹46.74 L | ₹1 Cr | ₹53.26 L | 53% |
Questions about this scenario
How much SIP is needed to reach ₹1 crore in 12 years?
About ₹32,457 a month at 12% a year. You invest ₹46.74 L in total and growth adds ₹53.26 L. At 10% the SIP rises to ₹36,995, and at 8% it is ₹42,109, so the return you assume changes the answer a lot.
Can I reach ₹1 crore in 12 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹20,680 a month rather than ₹32,457 and reaches the same ₹1 crore at 12%. By year 12 you would be investing ₹59,002 a month, so it suits people whose income grows.
What does ₹1 crore in 12 years mean in today's money?
With 6% yearly inflation, ₹1 crore received after 12 years buys what ₹49.7 L buys today. To end up with ₹1 crore of today's buying power you need ₹2.01 Cr in future rupees, which needs a SIP of about ₹65,311 a month.
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What the numbers say about ₹1 crore in 12 years
Of the ₹1 Cr, you contribute ₹46.74 L (47%) and compounding at 12% supplies ₹53.26 L (53%). Every rupee you put in ends up as about 2.14 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹1 Cr against ₹46.74 L invested. At the halfway mark, year 6, you hold only ₹33.63 L, 34% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹10.52 L of growth on its own, 10.5% of the goal. Waiting one year to start means building the same ₹1 crore in 11 years, which lifts the SIP from ₹32,457 to ₹37,924 (17% more); waiting three years takes it to ₹53,013.
If your pay rises, a SIP that increases 10% a year can start at ₹20,680 instead and finish at ₹59,002 a month in year 12. Should ₹1 crore mean what it buys today, the figure must first grow by 6% a year to ₹2.01 Cr, and the SIP becomes ₹65,311. In today's rupees the ₹1 crore you will actually receive is worth ₹49.7 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹42,109 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.