Goal plan
SIP to Reach ₹1 Crore
How much monthly SIP do you need to build a ₹1 crore corpus — and what's it really worth after tax and inflation?
A ₹1 crore corpus is the most common milestone Indian investors anchor to. The headline question — "how much SIP for 1 crore?" — has a clean answer, but the honest answer has two more parts most calculators skip.
First, the nominal target. The solver below back-calculates the monthly SIP needed so that your post-tax corpus reaches ₹1 crore, not just the pre-tax figure. That difference matters: 12.5% LTCG on gains above ₹1.25 lakh can quietly shave lakhs off what you actually keep.
Second, inflation. ₹1 crore in 15 years does not buy what ₹1 crore buys today. Toggle "target is in today's money" in the solver to see the much larger nominal sum you'd actually need to preserve today's purchasing power — and the higher SIP that requires.
The classic rule of thumb is that the earlier you start, the more compounding does the heavy lifting. A delay of even a year can raise the required monthly amount noticeably; the delay-cost calculator shows exactly how much.
Related tools
In shortTo reach ₹1 crore at an assumed 12% a year, you need about ₹22,950 a month for 15 years or about ₹12,070 a month for 20 years. With a 10% annual step-up, a 15-year plan can start near ₹13,050. These figures meet ₹1 crore after 12.5% LTCG, in future rupees.
Monthly SIP needed for ₹1 crore, by time horizon
Required monthly SIP to have ₹1 crore after tax, at an assumed 12% a year. The step-up column starts lower and raises the SIP by 10% every year. Change any input in the calculator above to see your own numbers.
| Horizon | Flat SIP | 10% step-up (starting SIP) | Total invested (flat SIP) |
|---|---|---|---|
| 5 years | ₹1,28,337 | ₹1,07,171 | ₹77.0 lakh |
| 10 years | ₹47,730 | ₹32,497 | ₹57.3 lakh |
| 15 years | ₹22,952 | ₹13,054 | ₹41.3 lakh |
| 20 years | ₹12,069 | ₹5,871 | ₹29.0 lakh |
| 25 years | ₹6,600 | ₹2,807 | ₹19.8 lakh |
Target in future rupees, after 12.5% LTCG on gains above ₹1.25 lakh. Returns are an assumption, not a forecast.
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Understand the concept: Step-Up SIP: Why Increasing Your SIP Matters