How much SIP is needed to reach ₹10 lakh in 5 years?
To reach ₹10 lakh in 5 years at 12% a year, invest about ₹12,330 a month. You put in ₹7.4 L and growth supplies ₹2.6 L.
- Monthly SIP needed
- ₹12,330 (good)
- For 5 years at 12% a year
- Money you put in
- ₹7.4 L
- 74% of the goal
- Growth
- ₹2.6 L (good)
- 26% of the goal
- Goal in today's money
- ₹7.47 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹10,318
- Ends at ₹15,107 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₹7.4 L · 74%
- Growth₹2.6 L · 26%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹7.4 L | 74% |
| Growth | ₹2.6 L | 26% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1.48 L | ₹9,451 | ₹1.57 L |
| 2 | ₹2.96 L | ₹37,791 | ₹3.34 L |
| 3 | ₹4.44 L | ₹87,287 | ₹5.31 L |
| 4 | ₹5.92 L | ₹1.6 L | ₹7.52 L |
| 5 | ₹7.4 L | ₹2.6 L | ₹10 L |
SIP for ₹10 lakh in 5 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% | ₹13,621 | ₹11,320 | ₹8.17 L | 18% |
| 10% | ₹12,958 | ₹10,807 | ₹7.77 L | 22% |
| 12% | ₹12,330 | ₹10,318 | ₹7.4 L | 26% |
| 14% | ₹11,735 | ₹9,853 | ₹7.04 L | 30% |
Year by year: ₹12,330 a month towards ₹10 lakh
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 | ₹1.48 L | ₹1.57 L | ₹9,451 | 6% |
| 2 | ₹2.96 L | ₹3.34 L | ₹37,791 | 11% |
| 3 | ₹4.44 L | ₹5.31 L | ₹87,287 | 16% |
| 4 | ₹5.92 L | ₹7.52 L | ₹1.6 L | 21% |
| 5 | ₹7.4 L | ₹10 L | ₹2.6 L | 26% |
Questions about this scenario
How much SIP is needed to reach ₹10 lakh in 5 years?
About ₹12,330 a month at 12% a year. You invest ₹7.4 L in total and growth adds ₹2.6 L. At 10% the SIP rises to ₹12,958, and at 8% it is ₹13,621, so the return you assume changes the answer a lot.
Can I reach ₹10 lakh in 5 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹10,318 a month rather than ₹12,330 and reaches the same ₹10 lakh at 12%. By year 5 you would be investing ₹15,107 a month, so it suits people whose income grows.
What does ₹10 lakh in 5 years mean in today's money?
With 6% yearly inflation, ₹10 lakh received after 5 years buys what ₹7.47 L buys today. To end up with ₹10 lakh of today's buying power you need ₹13.38 L in future rupees, which needs a SIP of about ₹16,500 a month.
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What the numbers say about ₹10 lakh in 5 years
Of the ₹10 L, you contribute ₹7.4 L (74%) and compounding at 12% supplies ₹2.6 L (26%). Every rupee you put in ends up as about 1.35 rupees at the finish.
With a 5-year horizon, your own contributions stay larger than the growth throughout: at the end ₹7.4 L is yours and ₹2.6 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 ₹99,728 of growth on its own, 10% of the goal. Waiting one year to start means building the same ₹10 lakh in 4 years, which lifts the SIP from ₹12,330 to ₹16,389 (33% more); waiting three years takes it to ₹36,948.
If your pay rises, a SIP that increases 10% a year can start at ₹10,318 instead and finish at ₹15,107 a month in year 5. Should ₹10 lakh mean what it buys today, the figure must first grow by 6% a year to ₹13.38 L, and the SIP becomes ₹16,500. In today's rupees the ₹10 lakh you will actually receive is worth ₹7.47 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹13,621 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.