How much SIP is needed to reach ₹1 crore in 20 years?
To reach ₹1 crore in 20 years at 12% a year, invest about ₹10,871 a month. You put in ₹26.09 L and growth supplies ₹73.91 L.
- Monthly SIP needed
- ₹10,871 (good)
- For 20 years at 12% a year
- Money you put in
- ₹26.09 L
- 26% of the goal
- Growth
- ₹73.91 L (good)
- 74% of the goal
- Goal in today's money
- ₹31.18 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹5,367
- Ends at ₹32,826 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₹26.09 L · 26.1%
- Growth₹73.91 L · 73.9%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹26.09 L | 26.1% |
| Growth | ₹73.91 L | 73.9% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1.3 L | ₹8,333 | ₹1.39 L |
| 2 | ₹2.61 L | ₹33,320 | ₹2.94 L |
| 3 | ₹3.91 L | ₹76,961 | ₹4.68 L |
| 4 | ₹5.22 L | ₹1.41 L | ₹6.63 L |
| 5 | ₹6.52 L | ₹2.29 L | ₹8.82 L |
| 6 | ₹7.83 L | ₹3.44 L | ₹11.26 L |
| 7 | ₹9.13 L | ₹4.87 L | ₹14 L |
| 8 | ₹10.44 L | ₹6.63 L | ₹17.07 L |
| 9 | ₹11.74 L | ₹8.77 L | ₹20.51 L |
| 10 | ₹13.05 L | ₹11.31 L | ₹24.36 L |
| 11 | ₹14.35 L | ₹14.32 L | ₹28.67 L |
| 12 | ₹15.65 L | ₹17.84 L | ₹33.49 L |
| 13 | ₹16.96 L | ₹21.94 L | ₹38.9 L |
| 14 | ₹18.26 L | ₹26.69 L | ₹44.96 L |
| 15 | ₹19.57 L | ₹32.17 L | ₹51.74 L |
| 16 | ₹20.87 L | ₹38.46 L | ₹59.34 L |
| 17 | ₹22.18 L | ₹45.67 L | ₹67.84 L |
| 18 | ₹23.48 L | ₹53.89 L | ₹77.37 L |
| 19 | ₹24.79 L | ₹63.26 L | ₹88.05 L |
| 20 | ₹26.09 L | ₹73.91 L | ₹1 Cr |
SIP for ₹1 crore in 20 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% | ₹17,462 | ₹7,734 | ₹41.91 L | 58% |
| 10% | ₹13,812 | ₹6,468 | ₹33.15 L | 67% |
| 12% | ₹10,871 | ₹5,367 | ₹26.09 L | 74% |
| 14% | ₹8,522 | ₹4,422 | ₹20.45 L | 80% |
Year by year: ₹10,871 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 | ₹1.3 L | ₹1.39 L | ₹8,333 | 6% |
| 2 | ₹2.61 L | ₹2.94 L | ₹33,320 | 11% |
| 3 | ₹3.91 L | ₹4.68 L | ₹76,961 | 16% |
| 4 | ₹5.22 L | ₹6.63 L | ₹1.41 L | 21% |
| 5 | ₹6.52 L | ₹8.82 L | ₹2.29 L | 26% |
| 7 | ₹9.13 L | ₹14 L | ₹4.87 L | 35% |
| 10 | ₹13.05 L | ₹24.36 L | ₹11.31 L | 46% |
| 12 | ₹15.65 L | ₹33.49 L | ₹17.84 L | 53% |
| 15 | ₹19.57 L | ₹51.74 L | ₹32.17 L | 62% |
| 18 | ₹23.48 L | ₹77.37 L | ₹53.89 L | 70% |
| 20 | ₹26.09 L | ₹1 Cr | ₹73.91 L | 74% |
Questions about this scenario
How much SIP is needed to reach ₹1 crore in 20 years?
About ₹10,871 a month at 12% a year. You invest ₹26.09 L in total and growth adds ₹73.91 L. At 10% the SIP rises to ₹13,812, and at 8% it is ₹17,462, so the return you assume changes the answer a lot.
Can I reach ₹1 crore in 20 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹5,367 a month rather than ₹10,871 and reaches the same ₹1 crore at 12%. By year 20 you would be investing ₹32,826 a month, so it suits people whose income grows.
What does ₹1 crore in 20 years mean in today's money?
With 6% yearly inflation, ₹1 crore received after 20 years buys what ₹31.18 L buys today. To end up with ₹1 crore of today's buying power you need ₹3.21 Cr in future rupees, which needs a SIP of about ₹34,866 a month.
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What the numbers say about ₹1 crore in 20 years
Of the ₹1 Cr, you contribute ₹26.09 L (26%) and compounding at 12% supplies ₹73.91 L (74%). Every rupee you put in ends up as about 3.83 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹33.49 L against ₹15.65 L invested. At the halfway mark, year 10, you hold only ₹24.36 L, 24% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹10.65 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹1 crore in 19 years, which lifts the SIP from ₹10,871 to ₹12,347 (14% more); waiting three years takes it to ₹16,024.
If your pay rises, a SIP that increases 10% a year can start at ₹5,367 instead and finish at ₹32,826 a month in year 20. Should ₹1 crore mean what it buys today, the figure must first grow by 6% a year to ₹3.21 Cr, and the SIP becomes ₹34,866. In today's rupees the ₹1 crore you will actually receive is worth ₹31.18 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹17,462 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.