How much SIP is needed to reach ₹50 lakh in 15 years?
To reach ₹50 lakh in 15 years at 12% a year, invest about ₹10,506 a month. You put in ₹18.91 L and growth supplies ₹31.09 L.
- Monthly SIP needed
- ₹10,506 (good)
- For 15 years at 12% a year
- Money you put in
- ₹18.91 L
- 38% of the goal
- Growth
- ₹31.09 L (good)
- 62% of the goal
- Goal in today's money
- ₹20.86 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹6,043
- Ends at ₹22,946 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₹18.91 L · 37.8%
- Growth₹31.09 L · 62.2%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹18.91 L | 37.8% |
| Growth | ₹31.09 L | 62.2% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1.26 L | ₹8,053 | ₹1.34 L |
| 2 | ₹2.52 L | ₹32,200 | ₹2.84 L |
| 3 | ₹3.78 L | ₹74,373 | ₹4.53 L |
| 4 | ₹5.04 L | ₹1.37 L | ₹6.41 L |
| 5 | ₹6.3 L | ₹2.22 L | ₹8.52 L |
| 6 | ₹7.56 L | ₹3.32 L | ₹10.88 L |
| 7 | ₹8.82 L | ₹4.71 L | ₹13.53 L |
| 8 | ₹10.09 L | ₹6.41 L | ₹16.5 L |
| 9 | ₹11.35 L | ₹8.47 L | ₹19.82 L |
| 10 | ₹12.61 L | ₹10.93 L | ₹23.54 L |
| 11 | ₹13.87 L | ₹13.83 L | ₹27.7 L |
| 12 | ₹15.13 L | ₹17.24 L | ₹32.37 L |
| 13 | ₹16.39 L | ₹21.2 L | ₹37.59 L |
| 14 | ₹17.65 L | ₹25.8 L | ₹43.45 L |
| 15 | ₹18.91 L | ₹31.09 L | ₹50 L |
SIP for ₹50 lakh 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% | ₹14,715 | ₹7,951 | ₹26.49 L | 47% |
| 10% | ₹12,450 | ₹6,944 | ₹22.41 L | 55% |
| 12% | ₹10,506 | ₹6,043 | ₹18.91 L | 62% |
| 14% | ₹8,846 | ₹5,240 | ₹15.92 L | 68% |
Year by year: ₹10,506 a month towards ₹50 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 | ₹1.26 L | ₹1.34 L | ₹8,053 | 6% |
| 2 | ₹2.52 L | ₹2.84 L | ₹32,200 | 11% |
| 3 | ₹3.78 L | ₹4.53 L | ₹74,373 | 16% |
| 4 | ₹5.04 L | ₹6.41 L | ₹1.37 L | 21% |
| 5 | ₹6.3 L | ₹8.52 L | ₹2.22 L | 26% |
| 7 | ₹8.82 L | ₹13.53 L | ₹4.71 L | 35% |
| 10 | ₹12.61 L | ₹23.54 L | ₹10.93 L | 46% |
| 12 | ₹15.13 L | ₹32.37 L | ₹17.24 L | 53% |
| 15 | ₹18.91 L | ₹50 L | ₹31.09 L | 62% |
Questions about this scenario
How much SIP is needed to reach ₹50 lakh in 15 years?
About ₹10,506 a month at 12% a year. You invest ₹18.91 L in total and growth adds ₹31.09 L. At 10% the SIP rises to ₹12,450, and at 8% it is ₹14,715, so the return you assume changes the answer a lot.
Can I reach ₹50 lakh in 15 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹6,043 a month rather than ₹10,506 and reaches the same ₹50 lakh at 12%. By year 15 you would be investing ₹22,946 a month, so it suits people whose income grows.
What does ₹50 lakh in 15 years mean in today's money?
With 6% yearly inflation, ₹50 lakh received after 15 years buys what ₹20.86 L buys today. To end up with ₹50 lakh of today's buying power you need ₹1.2 Cr in future rupees, which needs a SIP of about ₹25,178 a month.
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What the numbers say about ₹50 lakh in 15 years
Of the ₹50 L, you contribute ₹18.91 L (38%) and compounding at 12% supplies ₹31.09 L (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 ₹32.37 L against ₹15.13 L invested. At the halfway mark, year 7, you hold only ₹13.53 L, 27% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹5.29 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹50 lakh in 14 years, which lifts the SIP from ₹10,506 to ₹12,091 (15% more); waiting three years takes it to ₹16,229.
If your pay rises, a SIP that increases 10% a year can start at ₹6,043 instead and finish at ₹22,946 a month in year 15. Should ₹50 lakh mean what it buys today, the figure must first grow by 6% a year to ₹1.2 Cr, and the SIP becomes ₹25,178. In today's rupees the ₹50 lakh you will actually receive is worth ₹20.86 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹14,715 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.