₹1 crore in 15 years: the monthly number
Say you want ₹1 crore in 15 years and you assume 12% a year from equity funds. You need a SIP of about ₹19,819 a month. Over 15 years you put in ₹35.67 lakh, and the other ₹64.33 lakh is expected growth. That 12% is an assumption. Equity returns are not guaranteed and they swing a lot from year to year.
Time matters most. Only 10 years left? The same ₹1 crore needs about ₹43,041 a month. With 20 years, about ₹10,009.
SIP needed at 12% a year
| Goal | 10 years | 15 years | 20 years |
|---|---|---|---|
| ₹25 lakh | ₹10,760 | ₹4,955 | ₹2,502 |
| ₹50 lakh | ₹21,520 | ₹9,909 | ₹5,004 |
| ₹1 crore | ₹43,041 | ₹19,819 | ₹10,009 |
Goal in today’s rupees or future rupees?
This is the step most people skip. Your target can be in today’s rupees, what the thing costs now, or in future rupees, what you will actually pay on that date. College fees of ₹25 lakh today grow to about ₹79.30 lakh in 15 years if fees rise 8% a year. At 12%, a SIP planned for ₹25 lakh is just ₹4,955 a month. For the real figure it is about ₹15,717 a month.
No need to work out the future cost yourself. Enter today’s price as the target and fill in the inflation box, about 5 to 6% for most things and often more for education. The result shows the goal in both today’s and future rupees, and the SIP is worked out for the bigger one. If your target is already in future rupees, keep inflation at 0.
Step-up: start smaller, raise it every year
If ₹19,819 a month is too much right now, fill in the step-up box. With a 10% rise every year, ₹1 crore needs about ₹11,516 a month in year one, going up to about ₹43,731 by year 15. The catch: you put in ₹43.91 lakh in total instead of ₹35.67 lakh, because more money goes in late and gets less time to grow. It works if your salary really does go up every year.
Or one lumpsum today
The last line shows what you would need to invest once, today. For ₹1 crore in 15 years at 12%, that is about ₹18.27 lakh. You can cross-check it on the lumpsum calculator.
How the SIP is worked out
This is the SIP calculator run backwards. Each instalment goes in at the start of the month and grows monthly. Without a step-up:
SIP = Goal × i ÷ [((1 + i)n − 1) × (1 + i)]
i is the yearly return ÷ 12 ÷ 100 and n is the number of months.
Frequently asked questions
How much SIP is needed for ₹1 crore?
At an assumed 12% a year, about ₹19,819 a month for 15 years, ₹10,009 a month for 20 years or ₹43,041 a month for 10 years. Equity fund returns are not guaranteed, so treat these as estimates and review the plan every year.
How much SIP for ₹50 lakh in 10 years?
About ₹21,520 a month at an assumed 12% a year. You would put in ₹25.82 lakh yourself and the rest is expected growth. With 15 years in hand it drops to about ₹9,909 a month. Returns are not guaranteed.
Should I add inflation to my goal amount?
Yes, if your target is today’s price. Enter today’s cost and fill in Inflation (per year), and the calculator grows it for you. College fees of ₹25 lakh today become about ₹79.30 lakh in 15 years at 8% a year. At 12%, that takes the SIP from ₹4,955 to ₹15,717 a month. Keep inflation at 0 if the target is already in future rupees.
How does a step-up change the SIP needed?
With a step-up you raise the SIP by a fixed percentage every year. For ₹1 crore in 15 years at 12% with a 10% yearly step-up, you start at about ₹11,516 a month instead of ₹19,819. But you invest more in total, ₹43.91 lakh against ₹35.67 lakh.
Is a lumpsum better than a SIP for a goal?
A lumpsum needs less money in total because all of it grows from day one. ₹1 crore in 15 years at 12% needs about ₹18.27 lakh invested once today. Most people don’t have that sum ready, so a SIP, or a mix of both, is more practical.
Calculator maintained by Manoj. Last reviewed: 19-10-2026. Rates and rules are checked against official sources. Tell us if something has changed. Contact
