₹1 Crore Target SIP Calculator
Find the exact monthly SIP contribution needed to achieve your ₹1,00,00,000 financial freedom goal
SIP Investment Calculator
Calculate mutual fund SIP compounding, model annual Step-Up increments, and adjust for future inflation.
Increase your monthly investment each year in line with salary growth.
See the future purchasing power of your portfolio in today's money.
Estimated Wealth Maturity
₹1,00,91,520
Invested Principal
₹36,00,000
Estimated Gains
₹64,91,520
Compounding Curve
SIP Wealth Accumulation Table
15 Years Breakdown| Year | Cumulative Invested | Estimated Gains | Nominal Maturity |
|---|---|---|---|
| Year 1 | ₹2,40,000 | ₹16,187 | ₹2,56,187 |
| Year 2 | ₹4,80,000 | ₹64,864 | ₹5,44,864 |
| Year 3 | ₹7,20,000 | ₹1,50,153 | ₹8,70,153 |
| Year 4 | ₹9,60,000 | ₹2,76,697 | ₹12,36,697 |
| Year 5 | ₹12,00,000 | ₹4,49,727 | ₹16,49,727 |
| Year 6 | ₹14,40,000 | ₹6,75,141 | ₹21,15,141 |
| Year 7 | ₹16,80,000 | ₹9,59,580 | ₹26,39,580 |
| Year 8 | ₹19,20,000 | ₹13,10,531 | ₹32,30,531 |
| Year 9 | ₹21,60,000 | ₹17,36,430 | ₹38,96,430 |
| Year 10 | ₹24,00,000 | ₹22,46,782 | ₹46,46,782 |
| Year 11 | ₹26,40,000 | ₹28,52,296 | ₹54,92,296 |
| Year 12 | ₹28,80,000 | ₹35,65,043 | ₹64,45,043 |
| Year 13 | ₹31,20,000 | ₹43,98,623 | ₹75,18,623 |
| Year 14 | ₹33,60,000 | ₹53,68,359 | ₹87,28,359 |
| Year 15 | ₹36,00,000 | ₹64,91,520 | ₹1,00,91,520 |
The Mathematical Superiority of Step-Up SIP
Standard SIP calculations assume you invest the exact same monthly contribution throughout a 15-20 year career. However, real-world salaries typically expand by 8-12% each year. By toggling a 10% Annual Step-Up, an investor allocating ₹10,000/month accumulates over ₹2.1 Crore across 15 years at 12% CAGR, compared to only ~₹50 Lakhs in a static SIP — quadrupling the terminal corpus with modest incremental contributions.
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₹10,000 Monthly SIP Calculator
Forecast compound wealth and inflation purchasing power for ₹10,000 monthly mutual fund investments
Frequently Asked Questions: ₹1 Crore Target SIP Calculator
How much should I invest monthly to get 1 Crore in 15 years?
At a 12% annual CAGR, you need to invest approximately ₹19,820 per month to accumulate a ₹1 Crore corpus in 15 years.
The maths behind the sip investment calculator
So you can check the result rather than take it on trust.
The formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P — monthly instalment
- i — expected return per month = annual return ÷ 12 ÷ 100
- n — number of instalments
- The trailing × (1 + i) assumes the instalment is invested at the start of the month
Worked example
₹10,000 per month for 10 years at an assumed 12% annual return.
- i
- 12 ÷ 12 ÷ 100 = 0.01
- n
- 120
- Invested
- 10,000 × 120 = 12,00,000
Projected value ₹23,23,391 — ₹11,23,391 of it growth.
Growth does not overtake contributions until around year 11 at 12%. Before that, most of your balance is simply money you put in — which is why SIP results in years 1–5 feel disappointing and why stopping then is the expensive mistake.
Where this calculation usually goes wrong
Treating the projected return as a promise
12% is a planning assumption, not an outcome. Equity returns arrive unevenly; a 12% average can contain a −25% year. Model 8% and 15% as well and check the plan survives the low case.
Ignoring the difference between SIP and lump sum
The same ₹12,00,000 invested as a lump sum on day one at 12% becomes ₹37,27,018 over 10 years, versus ₹23,23,391 via SIP. SIP is smaller because the average rupee is invested for about half the period — SIP buys discipline and averaging, not higher returns.
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