How much SIP is needed to reach ₹1 crore in 30 years?
To reach ₹1 crore in 30 years at 12% a year, invest about ₹3,246 a month. You put in ₹11.68 L and growth supplies ₹88.32 L.
- Monthly SIP needed
- ₹3,246 (good)
- For 30 years at 12% a year
- Money you put in
- ₹11.68 L
- 12% of the goal
- Growth
- ₹88.32 L (good)
- 88% of the goal
- Goal in today's money
- ₹17.41 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹1,252
- Ends at ₹19,864 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₹11.68 L · 11.7%
- Growth₹88.32 L · 88.3%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹11.68 L | 11.7% |
| Growth | ₹88.32 L | 88.3% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹38,949 | ₹2,488 | ₹41,437 |
| 2 | ₹77,897 | ₹9,948 | ₹87,846 |
| 3 | ₹1.17 L | ₹22,977 | ₹1.4 L |
| 4 | ₹1.56 L | ₹42,244 | ₹1.98 L |
| 5 | ₹1.95 L | ₹68,497 | ₹2.63 L |
| 6 | ₹2.34 L | ₹1.03 L | ₹3.36 L |
| 7 | ₹2.73 L | ₹1.45 L | ₹4.18 L |
| 8 | ₹3.12 L | ₹1.98 L | ₹5.1 L |
| 9 | ₹3.51 L | ₹2.62 L | ₹6.12 L |
| 10 | ₹3.89 L | ₹3.38 L | ₹7.27 L |
| 11 | ₹4.28 L | ₹4.27 L | ₹8.56 L |
| 12 | ₹4.67 L | ₹5.33 L | ₹10 L |
| 13 | ₹5.06 L | ₹6.55 L | ₹11.61 L |
| 14 | ₹5.45 L | ₹7.97 L | ₹13.42 L |
| 15 | ₹5.84 L | ₹9.61 L | ₹15.45 L |
| 16 | ₹6.23 L | ₹11.48 L | ₹17.72 L |
| 17 | ₹6.62 L | ₹13.63 L | ₹20.26 L |
| 18 | ₹7.01 L | ₹16.09 L | ₹23.1 L |
| 19 | ₹7.4 L | ₹18.89 L | ₹26.29 L |
| 20 | ₹7.79 L | ₹22.07 L | ₹29.86 L |
| 21 | ₹8.18 L | ₹25.67 L | ₹33.85 L |
| 22 | ₹8.57 L | ₹29.76 L | ₹38.33 L |
| 23 | ₹8.96 L | ₹34.39 L | ₹43.34 L |
| 24 | ₹9.35 L | ₹39.61 L | ₹48.96 L |
| 25 | ₹9.74 L | ₹45.51 L | ₹55.25 L |
| 26 | ₹10.13 L | ₹52.17 L | ₹62.29 L |
| 27 | ₹10.52 L | ₹59.67 L | ₹70.18 L |
| 28 | ₹10.91 L | ₹68.11 L | ₹79.02 L |
| 29 | ₹11.3 L | ₹77.62 L | ₹88.92 L |
| 30 | ₹11.68 L | ₹88.32 L | ₹1 Cr |
SIP for ₹1 crore in 30 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% | ₹7,054 | ₹2,164 | ₹25.39 L | 75% |
| 10% | ₹4,809 | ₹1,662 | ₹17.31 L | 83% |
| 12% | ₹3,246 | ₹1,252 | ₹11.68 L | 88% |
| 14% | ₹2,174 | ₹926 | ₹7.83 L | 92% |
Year by year: ₹3,246 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 | ₹38,949 | ₹41,437 | ₹2,488 | 6% |
| 2 | ₹77,897 | ₹87,846 | ₹9,948 | 11% |
| 3 | ₹1.17 L | ₹1.4 L | ₹22,977 | 16% |
| 4 | ₹1.56 L | ₹1.98 L | ₹42,244 | 21% |
| 5 | ₹1.95 L | ₹2.63 L | ₹68,497 | 26% |
| 7 | ₹2.73 L | ₹4.18 L | ₹1.45 L | 35% |
| 10 | ₹3.89 L | ₹7.27 L | ₹3.38 L | 46% |
| 12 | ₹4.67 L | ₹10 L | ₹5.33 L | 53% |
| 15 | ₹5.84 L | ₹15.45 L | ₹9.61 L | 62% |
| 18 | ₹7.01 L | ₹23.1 L | ₹16.09 L | 70% |
| 20 | ₹7.79 L | ₹29.86 L | ₹22.07 L | 74% |
| 22 | ₹8.57 L | ₹38.33 L | ₹29.76 L | 78% |
| 25 | ₹9.74 L | ₹55.25 L | ₹45.51 L | 82% |
| 28 | ₹10.91 L | ₹79.02 L | ₹68.11 L | 86% |
| 30 | ₹11.68 L | ₹1 Cr | ₹88.32 L | 88% |
Questions about this scenario
How much SIP is needed to reach ₹1 crore in 30 years?
About ₹3,246 a month at 12% a year. You invest ₹11.68 L in total and growth adds ₹88.32 L. At 10% the SIP rises to ₹4,809, and at 8% it is ₹7,054, so the return you assume changes the answer a lot.
Can I reach ₹1 crore in 30 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹1,252 a month rather than ₹3,246 and reaches the same ₹1 crore at 12%. By year 30 you would be investing ₹19,864 a month, so it suits people whose income grows.
What does ₹1 crore in 30 years mean in today's money?
With 6% yearly inflation, ₹1 crore received after 30 years buys what ₹17.41 L buys today. To end up with ₹1 crore of today's buying power you need ₹5.74 Cr in future rupees, which needs a SIP of about ₹18,642 a month.
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What the numbers say about ₹1 crore in 30 years
Of the ₹1 Cr, you contribute ₹11.68 L (12%) and compounding at 12% supplies ₹88.32 L (88%). Every rupee you put in ends up as about 8.56 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹10 L against ₹4.67 L invested. At the halfway mark, year 15, you hold only ₹15.45 L, 15% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹10.69 L of growth on its own, 10.7% of the goal. Waiting one year to start means building the same ₹1 crore in 29 years, which lifts the SIP from ₹3,246 to ₹3,650 (12% more); waiting three years takes it to ₹4,625.
If your pay rises, a SIP that increases 10% a year can start at ₹1,252 instead and finish at ₹19,864 a month in year 30. Should ₹1 crore mean what it buys today, the figure must first grow by 6% a year to ₹5.74 Cr, and the SIP becomes ₹18,642. In today's rupees the ₹1 crore you will actually receive is worth ₹17.41 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹7,054 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.