Crorepati Calculator – How Much SIP to Reach ₹1 Crore?
Reaching ₹1 crore (or any target corpus) through systematic investing is more achievable than most people think – if you start early and stay consistent. This calculator shows exactly how much you need to invest monthly to reach your goal.
To reach ₹1 crore in 10 years at 12% CAGR, you need approximately ₹43,000/month. In 15 years, approximately ₹19,800/month. In 20 years, approximately ₹10,000/month. In 25 years, approximately ₹5,300/month. The longer your time horizon, the less you need to invest each month.
Wealth Creation Principles
Time Is the Most Powerful Variable
Doubling your time horizon reduces the required monthly investment by approximately 70-75% for the same corpus target. Starting 10 years earlier is worth more than doubling your monthly investment.
Step-Up SIP Reaches the Goal Faster
Instead of a flat monthly SIP, increasing it by 10-15% every year allows you to start smaller and reach larger targets – matching investment growth to income growth.
Consistency Beats Perfection
A ₹10,000 SIP invested consistently for 20 years dramatically outperforms a ₹15,000 SIP that gets stopped during market corrections. Consistency is the key variable.
Frequently Asked Questions
Is ₹1 crore enough to retire in India?
₹1 crore is not adequate for most retirement scenarios. At a 4% safe withdrawal rate, ₹1 crore supports ₹4 lakh per year (₹33,000/month). Most Ahmedabad households need ₹2-4 crore or more for a comfortable retirement. Use our Retirement Calculator for a personalised figure.
I have existing investments. How do I factor them in?
This calculator allows you to enter an existing corpus value – it calculates additional monthly SIP needed given the head start your existing investments provide.
What return rate should I use?
For equity mutual fund SIPs over 10+ years, 12% CAGR is a commonly used conservative estimate. For shorter time horizons, use 8-10%. Avoid using above 15% – could lead to under-investment.