Goal SIP Calculator
Find the exact monthly SIP you need to hit ₹1 crore — or any money goal.
Your goal
₹1 crore = ₹1,00,00,000. Set whatever goal you're aiming for.
Equity funds have historically returned 10–14% long term. Returns are not guaranteed.
Invest every month
₹19,819
to reach ₹1Cr in 15 years
A Goal SIP calculator works in reverse. Instead of guessing your final corpus, you set a target — say ₹1 crore — and it tells you the exact monthly SIP needed to get there. The magic ingredient is time: start early and compounding does the heavy lifting, so your monthly amount stays surprisingly small. Later starts demand far bigger contributions for the same goal.
How the goal SIP is calculated
A normal SIP calculator asks “I invest ₹X monthly — what will I have?” A goal (reverse) SIP calculator flips it: “I want a target amount — how much must I invest monthly?” It rearranges the same future-value formula to solve for the monthly amount.
Monthly SIP = FV ÷ [ ((1 + i)ⁿ − 1) / i × (1 + i) ]
Here FV is your target, i is the monthly return (annual return ÷ 12), and nis the number of months. Starting earlier slashes the monthly amount dramatically because your money spends more years compounding. To reach ₹1 crore at 12% returns you'd need roughly ₹2,000/month over 30 years, about ₹5,000/month over 25 years, but nearly ₹10,000/month over 20 years — same goal, same returns, only the head start changes.
Frequently asked questions
How much SIP do I need to become a crorepati?+
At an assumed 12% annual return, roughly ₹2,000/month for 30 years, ₹5,000/month for 25 years, or ₹10,000/month for 20 years grows to ₹1 crore. The longer your timeline, the smaller the monthly amount. Enter your own target and years above for an exact figure.
How much should I invest monthly to reach ₹1 crore in 15 years?+
To reach ₹1 crore in 15 years at 12% returns, you'd need to invest around ₹20,000 per month. Shorter timeframes need much bigger SIPs because compounding has less time to work. Extending your goal by even 5 years cuts the monthly amount sharply.
Is ₹1 crore enough to retire on?+
It depends on your age, expenses and inflation. ₹1 crore today has strong buying power, but 20–30 years of inflation can erode it, so many people now aim for ₹3–5 crore for a comfortable retirement. Use this as a starting goal and recalculate as your needs become clearer.
What return should I assume for my SIP?+
For equity mutual funds, 11–12% is a reasonable long-term assumption based on historical Indian market performance, though returns are never guaranteed. Use 10% to stay conservative and 8% for debt-heavy portfolios. Run the calculator at a couple of rates to see the range.
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