SIP Calculator1 Crore SIP Plan
1 Crore SIP Plan
Find the monthly SIP required to target a Rs 1 crore corpus, then fine-tune tenure and return assumptions instantly.
- Monthly SIP
- Rs 19,819
- Duration
- 15 years
- Est. maturity
- Rs 1,00,00,192
Goal corpus: Rs 1,00,00,000 at 12% assumed annual return.
How much SIP is needed for 1 crore?
To target Rs 1,00,00,000 in 15 years at 12% annual return, you need roughly Rs 19,819 per month.
At that contribution level, total invested capital is about Rs 35,67,420, with estimated gains of Rs 64,32,772.
Planning tips for a 1 crore goal
Start early and increase SIP annually (step-up SIP) to reduce monthly pressure.
Choose asset allocation based on time horizon: higher equity exposure for longer durations.
Review fund performance yearly, but avoid frequent switching based on short-term volatility.
Important disclaimer
This plan is an estimate using compounded monthly SIP math. Real mutual fund outcomes may differ due to fees, taxes, and market cycles.
Interactive SIP calculator
Adjust monthly amount, return, and tenure to compare scenarios instantly.
Invested Amount
Rs 35,67,420
Estimated Returns
Rs 64,32,772
Maturity Value
Rs 1,00,00,192
Yearly growth projection
Frequently asked questions
How much monthly SIP is required for 1 crore in 15 years?
At 12% return, the estimated monthly SIP is around Rs 19,819.
Can I reach 1 crore faster?
Yes. Increase monthly SIP, add step-up increases, or extend equity allocation if your risk profile allows it.
Which funds should I choose?
Fund selection depends on risk profile and horizon. Many long-term investors use diversified equity funds or index funds.
What if I cannot invest the required monthly SIP every month?
Treat the required SIP as a planning target. Step-up contributions, annual bonuses, or a longer timeline can still help you approach a Rs 1 crore corpus.
Plan taxes on your investment income
After SIP planning, estimate your in-hand salary and FY 2026-27 tax liability.
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