Goal-led plan
How Much SIP for ₹3 Crore in 20 Years?
Long-horizon wealth goals often sit near ₹3 crore when adjusted for future costs. This example uses a blended return assumption and a steady step-up to keep contributions manageable early on.
Direct answer
₹32,429 / month
Assumes 11.5% p.a., monthly compounding, and 6% inflation for Reality check.
In today’s money: ₹90,62,884 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 11.5%, the monthly number goes up. If you extend the timeline beyond 20 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
₹6,11,48,369.0 (6.11 Cr)
After 20 years at 11.5% p.a. with 10.0% yearly step-up.
Today's value: ₹1,84,72,686.0 (1.85 Cr) at 6.0% inflation.
Future value
₹6,11,48,369.0 (6.11 Cr)
Today’s value (inflation)
₹1,84,72,686.0 (1.85 Cr)
Total invested
₹2,22,88,452.0 (2.23 Cr)
Gain over invested
₹3,88,59,917.0 (3.89 Cr)
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
₹6,11,48,369.0 (6.11 Cr)
Today
₹1,84,72,686.0 (1.85 Cr)
Meta
₹32,429 SIP • 10.0% step-up • 11.5% return • 20 yrs
Uses 6.0% inflation when on.
Future
₹64,64,576 (64.6 L)
Today
₹19,52,923 (19.5 L)
Future Δ vs A
-54683793
Today Δ vs A
-16519763
Comparator
Scenario A (base)
₹32,429 • 10.0% step-up • 11.5% return • 20 yrs • Today: 1.85 Cr
6.11 Cr future
Scenario B
₹5,000 • 5.0% step-up • 11.5% return • 20 yrs • Today: 19.5 L
64.6 L future (-54683793 vs A)
Today Δ: -16519763
Decision guidance
- A 10% step-up meaningfully lowers the starting SIP—test both with and without it.
- Reducing the return to 10% shows a conservative path; plan for volatility.
- Monitor the Today’s value figure to ensure the goal holds real-world meaning.