Goal Planning

SIP Target Calculator

Want to reach ₹1 Crore? Reverse-calculate the exact monthly SIP amount you need to invest to achieve your specific financial goals.

Goal Parameters

Historical Nifty 50 average is ~12-14%.

15 Years
Required Action

Monthly SIP Required

₹19,819

Invested on the 1st of every month.

Journey to Target

Total Invested₹35,67,352
Wealth Gained (Interest)+₹64,32,648
Final Goal Reached₹1,00,00,000

The Magic of Compounding Time

  • Time Beats Capital: If you want to reach ₹1 Crore at 12% returns in 30 years, you only need to invest ₹2,861 per month. But if you delay and only have 10 years left, the required monthly SIP explodes to ₹43,041! Time does the heavy lifting, not your monthly contribution.
  • The Rule of 15-15-15: A famous rule of thumb in Indian mutual funds states that investing ₹15,000 per month, for 15 years, at 15% interest will yield exactly ₹1 Crore.
  • Step-Up Strategy: If the required monthly SIP is too high for your current salary, don't give up. You can start with a smaller amount and use the "Step-Up SIP" method, increasing your investment by 10% every year as your salary grows, to easily hit the same target.