Goal-led plan
How Much SIP Is Needed for ₹1 Crore in 10 Years?
This scenario targets a ₹1 crore goal over the next decade using a diversified equity-heavy portfolio assumption. The quick answer below uses a steady SIP with monthly compounding—no guarantees, just a planning baseline.
Direct answer
₹43,471 / month
Assumes 12.0% p.a., monthly compounding, and 6% inflation for Reality check.
In today’s money: ₹54,96,327 target corpus.
This calculator provides estimates for planning purposes only.
Why these assumptions
Time, return, and inflation assumptions drive the result. If markets deliver less than 12.0%, the monthly number goes up. If you extend the timeline beyond 10 years, the required contribution or payout pressure drops.
Reality check keeps an inflation-adjusted line visible so you can judge purchasing power. No taxes or fees are included in these projections.
Adjust the scenario
Inputs are prefilled to match the question. Change return, timeline, or step-up to see how the monthly amount shifts.
SIP Calculator
Plan your SIP with inflation-aware numbers
Future value and today’s value, updated instantly. Step-up friendly, inflation aware, and ready to share.
Contributions
SIP + step-upMonthly SIP amount
More contribution = larger corpus
Returns & tenure
Reality check
Inflation keeps projections grounded. Default uses 6% per year.
Outcome
₹1,46,68,534.0 (1.47 Cr)
After 10 years at 12.0% p.a. with 10.0% yearly step-up.
Today's value: ₹80,62,306 (80.6 L) at 6.0% inflation.
Future value
₹1,46,68,534.0 (1.47 Cr)
Today’s value (inflation)
₹80,62,306 (80.6 L)
Total invested
₹83,13,789 (83.1 L)
Gain over invested
₹63,54,745 (63.5 L)
Loading chart…
How to read & safety notes
How to read this
- Future value shows what you might see in your statement at the end.
- Today’s value adjusts for inflation (default 6%) to keep expectations realistic.
- Step-up SIP means your monthly amount increases once every year.
- We assume monthly compounding; actual fund returns will vary.
What-if
Real-time comparison
Scenario A uses your main inputs. Add more scenarios with custom SIP, step-up, tenure, returns, and reality check. Compare all in one view.
Scenario A (base)
Future focus; reality check onFuture
₹1,46,68,534.0 (1.47 Cr)
Today
₹80,62,306 (80.6 L)
Meta
₹43,471 SIP • 10.0% step-up • 12.0% return • 10 yrs
Uses 6.0% inflation when on.
Future
₹13,93,471 (13.9 L)
Today
₹7,65,897 (7.7 L)
Future Δ vs A
-13275063
Today Δ vs A
-7296409
Comparator
Scenario A (base)
₹43,471 • 10.0% step-up • 12.0% return • 10 yrs • Today: 80.6 L
1.47 Cr future
Scenario B
₹5,000 • 5.0% step-up • 12.0% return • 10 yrs • Today: 7.7 L
13.9 L future (-13275063 vs A)
Today Δ: -7296409
Decision guidance
- If the monthly number feels high, extend the timeline or add a yearly step-up.
- Use a lower return (9–10%) to see a conservative requirement.
- Keep Reality check on to view the target’s value in today’s rupees.