How much SIP is needed to reach ₹2 crore in 10 years?
To reach ₹2 crore in 10 years at 12% a year, invest about ₹89,271 a month. You put in ₹1.07 Cr and growth supplies ₹92.87 L.
- Monthly SIP needed
- ₹89,271 (good)
- For 10 years at 12% a year
- Money you put in
- ₹1.07 Cr
- 54% of the goal
- Growth
- ₹92.87 L (good)
- 46% of the goal
- Goal in today's money
- ₹1.12 Cr
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹61,183
- Ends at ₹1,44,266 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₹1.07 Cr · 53.6%
- Growth₹92.87 L · 46.4%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹1.07 Cr | 53.6% |
| Growth | ₹92.87 L | 46.4% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹10.71 L | ₹68,426 | ₹11.4 L |
| 2 | ₹21.43 L | ₹2.74 L | ₹24.16 L |
| 3 | ₹32.14 L | ₹6.32 L | ₹38.46 L |
| 4 | ₹42.85 L | ₹11.62 L | ₹54.47 L |
| 5 | ₹53.56 L | ₹18.84 L | ₹72.4 L |
| 6 | ₹64.28 L | ₹28.21 L | ₹92.49 L |
| 7 | ₹74.99 L | ₹39.99 L | ₹1.15 Cr |
| 8 | ₹85.7 L | ₹54.48 L | ₹1.4 Cr |
| 9 | ₹96.41 L | ₹71.98 L | ₹1.68 Cr |
| 10 | ₹1.07 Cr | ₹92.87 L | ₹2 Cr |
SIP for ₹2 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% | ₹1,10,325 | ₹73,512 | ₹1.32 Cr | 34% |
| 10% | ₹99,276 | ₹67,101 | ₹1.19 Cr | 40% |
| 12% | ₹89,271 | ₹61,183 | ₹1.07 Cr | 46% |
| 14% | ₹80,227 | ₹55,731 | ₹96.27 L | 52% |
Year by year: ₹89,271 a month towards ₹2 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 | ₹10.71 L | ₹11.4 L | ₹68,426 | 6% |
| 2 | ₹21.43 L | ₹24.16 L | ₹2.74 L | 11% |
| 3 | ₹32.14 L | ₹38.46 L | ₹6.32 L | 16% |
| 4 | ₹42.85 L | ₹54.47 L | ₹11.62 L | 21% |
| 5 | ₹53.56 L | ₹72.4 L | ₹18.84 L | 26% |
| 6 | ₹64.28 L | ₹92.49 L | ₹28.21 L | 31% |
| 7 | ₹74.99 L | ₹1.15 Cr | ₹39.99 L | 35% |
| 8 | ₹85.7 L | ₹1.4 Cr | ₹54.48 L | 39% |
| 9 | ₹96.41 L | ₹1.68 Cr | ₹71.98 L | 43% |
| 10 | ₹1.07 Cr | ₹2 Cr | ₹92.87 L | 46% |
Questions about this scenario
How much SIP is needed to reach ₹2 crore in 10 years?
About ₹89,271 a month at 12% a year. You invest ₹1.07 Cr in total and growth adds ₹92.87 L. At 10% the SIP rises to ₹99,276, and at 8% it is ₹1,10,325, so the return you assume changes the answer a lot.
Can I reach ₹2 crore in 10 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹61,183 a month rather than ₹89,271 and reaches the same ₹2 crore at 12%. By year 10 you would be investing ₹1,44,266 a month, so it suits people whose income grows.
What does ₹2 crore in 10 years mean in today's money?
With 6% yearly inflation, ₹2 crore received after 10 years buys what ₹1.12 Cr buys today. To end up with ₹2 crore of today's buying power you need ₹3.58 Cr in future rupees, which needs a SIP of about ₹1,59,872 a month.
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What the numbers say about ₹2 crore in 10 years
Of the ₹2 Cr, you contribute ₹1.07 Cr (54%) and compounding at 12% supplies ₹92.87 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 ₹1.07 Cr is yours and ₹92.87 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 ₹20.89 L of growth on its own, 10.4% of the goal. Waiting one year to start means building the same ₹2 crore in 9 years, which lifts the SIP from ₹89,271 to ₹1,06,026 (19% more); waiting three years takes it to ₹1,55,278.
If your pay rises, a SIP that increases 10% a year can start at ₹61,183 instead and finish at ₹1,44,266 a month in year 10. Should ₹2 crore mean what it buys today, the figure must first grow by 6% a year to ₹3.58 Cr, and the SIP becomes ₹1,59,872. In today's rupees the ₹2 crore you will actually receive is worth ₹1.12 Cr.
The calculation assumes a steady 12% every year. At 8% you would need ₹1,10,325 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.