How much SIP is needed to reach ₹5 crore in 15 years?
To reach ₹5 crore in 15 years at 12% a year, invest about ₹1,05,057 a month. You put in ₹1.89 Cr and growth supplies ₹3.11 Cr.
- Monthly SIP needed
- ₹1,05,057 (good)
- For 15 years at 12% a year
- Money you put in
- ₹1.89 Cr
- 38% of the goal
- Growth
- ₹3.11 Cr (good)
- 62% of the goal
- Goal in today's money
- ₹2.09 Cr
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹60,425
- Ends at ₹2,29,464 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₹1.89 Cr · 37.8%
- Growth₹3.11 Cr · 62.2%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹1.89 Cr | 37.8% |
| Growth | ₹3.11 Cr | 62.2% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹12.61 L | ₹80,526 | ₹13.41 L |
| 2 | ₹25.21 L | ₹3.22 L | ₹28.43 L |
| 3 | ₹37.82 L | ₹7.44 L | ₹45.26 L |
| 4 | ₹50.43 L | ₹13.67 L | ₹64.1 L |
| 5 | ₹63.03 L | ₹22.17 L | ₹85.21 L |
| 6 | ₹75.64 L | ₹33.2 L | ₹1.09 Cr |
| 7 | ₹88.25 L | ₹47.07 L | ₹1.35 Cr |
| 8 | ₹1.01 Cr | ₹64.11 L | ₹1.65 Cr |
| 9 | ₹1.13 Cr | ₹84.71 L | ₹1.98 Cr |
| 10 | ₹1.26 Cr | ₹1.09 Cr | ₹2.35 Cr |
| 11 | ₹1.39 Cr | ₹1.38 Cr | ₹2.77 Cr |
| 12 | ₹1.51 Cr | ₹1.72 Cr | ₹3.24 Cr |
| 13 | ₹1.64 Cr | ₹2.12 Cr | ₹3.76 Cr |
| 14 | ₹1.76 Cr | ₹2.58 Cr | ₹4.34 Cr |
| 15 | ₹1.89 Cr | ₹3.11 Cr | ₹5 Cr |
SIP for ₹5 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% | ₹1,47,155 | ₹79,507 | ₹2.65 Cr | 47% |
| 10% | ₹1,24,495 | ₹69,441 | ₹2.24 Cr | 55% |
| 12% | ₹1,05,057 | ₹60,425 | ₹1.89 Cr | 62% |
| 14% | ₹88,463 | ₹52,399 | ₹1.59 Cr | 68% |
Year by year: ₹1,05,057 a month towards ₹5 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 | ₹12.61 L | ₹13.41 L | ₹80,526 | 6% |
| 2 | ₹25.21 L | ₹28.43 L | ₹3.22 L | 11% |
| 3 | ₹37.82 L | ₹45.26 L | ₹7.44 L | 16% |
| 4 | ₹50.43 L | ₹64.1 L | ₹13.67 L | 21% |
| 5 | ₹63.03 L | ₹85.21 L | ₹22.17 L | 26% |
| 7 | ₹88.25 L | ₹1.35 Cr | ₹47.07 L | 35% |
| 10 | ₹1.26 Cr | ₹2.35 Cr | ₹1.09 Cr | 46% |
| 12 | ₹1.51 Cr | ₹3.24 Cr | ₹1.72 Cr | 53% |
| 15 | ₹1.89 Cr | ₹5 Cr | ₹3.11 Cr | 62% |
Questions about this scenario
How much SIP is needed to reach ₹5 crore in 15 years?
About ₹1,05,057 a month at 12% a year. You invest ₹1.89 Cr in total and growth adds ₹3.11 Cr. At 10% the SIP rises to ₹1,24,495, and at 8% it is ₹1,47,155, so the return you assume changes the answer a lot.
Can I reach ₹5 crore in 15 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹60,425 a month rather than ₹1,05,057 and reaches the same ₹5 crore at 12%. By year 15 you would be investing ₹2,29,464 a month, so it suits people whose income grows.
What does ₹5 crore in 15 years mean in today's money?
With 6% yearly inflation, ₹5 crore received after 15 years buys what ₹2.09 Cr buys today. To end up with ₹5 crore of today's buying power you need ₹11.98 Cr in future rupees, which needs a SIP of about ₹2,51,776 a month.
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What the numbers say about ₹5 crore in 15 years
Of the ₹5 Cr, you contribute ₹1.89 Cr (38%) and compounding at 12% supplies ₹3.11 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 ₹3.24 Cr against ₹1.51 Cr invested. At the halfway mark, year 7, you hold only ₹1.35 Cr, 27% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹52.94 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹5 crore in 14 years, which lifts the SIP from ₹1,05,057 to ₹1,20,907 (15% more); waiting three years takes it to ₹1,62,287.
If your pay rises, a SIP that increases 10% a year can start at ₹60,425 instead and finish at ₹2,29,464 a month in year 15. Should ₹5 crore mean what it buys today, the figure must first grow by 6% a year to ₹11.98 Cr, and the SIP becomes ₹2,51,776. In today's rupees the ₹5 crore you will actually receive is worth ₹2.09 Cr.
The calculation assumes a steady 12% every year. At 8% you would need ₹1,47,155 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.