₹1 crore in 15 years at 12%
The SIP needed is ₹19,819 a month. You invest ₹35.67 lakh and growth adds ₹64.33 lakh.
Goal SIP calculator: monthly SIP for a target amount
1 crore
%
%
0 if the goal is already in future rupees.
Monthly SIP needed
₹19,819
Reaches ₹1,00,00,000 in 15 years.
- Target
- ₹1,00,00,000
- You invest
- ₹35,67,352
- Growth
- ₹64,32,648
Too high? Two levers
Start sooner (the SIP delay cost calculator shows what waiting costs) or raise the SIP each year with the step-up SIP calculator.
Sources
What this calculator does not account for
- Returns are not fixed. Real markets go up and down, so the actual result can be higher or lower.
- Fees, expense ratios, stamp duty or exit loads, unless you enter them.
- Tax on the gains, which depends on your country, income and how long you hold.
How this is calculated
Formula: SIP future value, solved for the payment
SIP =target ÷ { [(1 + i)^n − 1] ÷ i × (1 + i) }What the symbols mean
- targetThe goal, raised by inflation for the years if you enter a rate.
- iMonthly return: yearly return ÷ 12.
- nNumber of monthly instalments.
Good to know
- Leave inflation at 0 if your goal is already in future rupees.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
₹25 lakh of today's money in 10 years
At 6% inflation the goal becomes ₹44.77 lakh. At 10% a year that needs ₹21,676 a month.
Embed this calculator
The frame shows the tool only.
<iframe src="/embed/goal-sip" title="Goal SIP" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
How much SIP do I need for ₹1 crore in 15 years?
About ₹19,819 a month at 12% a year.
Should I adjust the goal for inflation?
Yes, for things like education or a house. At 6%, ₹50 lakh today is about ₹1.6 crore in 20 years.
What return should I use?
A cautious long-run figure for the fund type. Lower rates give a safer SIP figure.