How much SIP is needed to reach ₹2 crore in 15 years?
To reach ₹2 crore in 15 years at 12% a year, invest about ₹42,023 a month. You put in ₹75.64 L and growth supplies ₹1.24 Cr.
- Monthly SIP needed
- ₹42,023 (good)
- For 15 years at 12% a year
- Money you put in
- ₹75.64 L
- 38% of the goal
- Growth
- ₹1.24 Cr (good)
- 62% of the goal
- Goal in today's money
- ₹83.45 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹24,170
- Ends at ₹91,786 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₹75.64 L · 37.8%
- Growth₹1.24 Cr · 62.2%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹75.64 L | 37.8% |
| Growth | ₹1.24 Cr | 62.2% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹5.04 L | ₹32,210 | ₹5.36 L |
| 2 | ₹10.09 L | ₹1.29 L | ₹11.37 L |
| 3 | ₹15.13 L | ₹2.97 L | ₹18.1 L |
| 4 | ₹20.17 L | ₹5.47 L | ₹25.64 L |
| 5 | ₹25.21 L | ₹8.87 L | ₹34.08 L |
| 6 | ₹30.26 L | ₹13.28 L | ₹43.54 L |
| 7 | ₹35.3 L | ₹18.83 L | ₹54.13 L |
| 8 | ₹40.34 L | ₹25.64 L | ₹65.99 L |
| 9 | ₹45.38 L | ₹33.88 L | ₹79.27 L |
| 10 | ₹50.43 L | ₹43.72 L | ₹94.15 L |
| 11 | ₹55.47 L | ₹55.34 L | ₹1.11 Cr |
| 12 | ₹60.51 L | ₹68.96 L | ₹1.29 Cr |
| 13 | ₹65.56 L | ₹84.82 L | ₹1.5 Cr |
| 14 | ₹70.6 L | ₹1.03 Cr | ₹1.74 Cr |
| 15 | ₹75.64 L | ₹1.24 Cr | ₹2 Cr |
SIP for ₹2 crore in 15 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% | ₹58,862 | ₹31,803 | ₹1.06 Cr | 47% |
| 10% | ₹49,798 | ₹27,776 | ₹89.64 L | 55% |
| 12% | ₹42,023 | ₹24,170 | ₹75.64 L | 62% |
| 14% | ₹35,385 | ₹20,960 | ₹63.69 L | 68% |
Year by year: ₹42,023 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 | ₹5.04 L | ₹5.36 L | ₹32,210 | 6% |
| 2 | ₹10.09 L | ₹11.37 L | ₹1.29 L | 11% |
| 3 | ₹15.13 L | ₹18.1 L | ₹2.97 L | 16% |
| 4 | ₹20.17 L | ₹25.64 L | ₹5.47 L | 21% |
| 5 | ₹25.21 L | ₹34.08 L | ₹8.87 L | 26% |
| 7 | ₹35.3 L | ₹54.13 L | ₹18.83 L | 35% |
| 10 | ₹50.43 L | ₹94.15 L | ₹43.72 L | 46% |
| 12 | ₹60.51 L | ₹1.29 Cr | ₹68.96 L | 53% |
| 15 | ₹75.64 L | ₹2 Cr | ₹1.24 Cr | 62% |
Questions about this scenario
How much SIP is needed to reach ₹2 crore in 15 years?
About ₹42,023 a month at 12% a year. You invest ₹75.64 L in total and growth adds ₹1.24 Cr. At 10% the SIP rises to ₹49,798, and at 8% it is ₹58,862, so the return you assume changes the answer a lot.
Can I reach ₹2 crore in 15 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹24,170 a month rather than ₹42,023 and reaches the same ₹2 crore at 12%. By year 15 you would be investing ₹91,786 a month, so it suits people whose income grows.
What does ₹2 crore in 15 years mean in today's money?
With 6% yearly inflation, ₹2 crore received after 15 years buys what ₹83.45 L buys today. To end up with ₹2 crore of today's buying power you need ₹4.79 Cr in future rupees, which needs a SIP of about ₹1,00,710 a month.
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What the numbers say about ₹2 crore in 15 years
Of the ₹2 Cr, you contribute ₹75.64 L (38%) and compounding at 12% supplies ₹1.24 Cr (62%). Every rupee you put in ends up as about 2.64 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹1.29 Cr against ₹60.51 L invested. At the halfway mark, year 7, you hold only ₹54.13 L, 27% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹21.18 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹2 crore in 14 years, which lifts the SIP from ₹42,023 to ₹48,363 (15% more); waiting three years takes it to ₹64,915.
If your pay rises, a SIP that increases 10% a year can start at ₹24,170 instead and finish at ₹91,786 a month in year 15. Should ₹2 crore mean what it buys today, the figure must first grow by 6% a year to ₹4.79 Cr, and the SIP becomes ₹1,00,710. In today's rupees the ₹2 crore you will actually receive is worth ₹83.45 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹58,862 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.