See how much to invest every month to reach ₹1 crore. Change any number below.
Invest every month
| When | Invested | Returns | Value |
|---|
To reach ₹1 crore in 15 years at an expected 12% a year, you need to invest about ₹19,819 a month. You'd put in ₹35.67 lakh yourself; the rest comes from returns. The more time you have, the less you need:
| Years | At 8% | At 10% | At 12% |
|---|---|---|---|
| 5 yrs | ₹1,35,196 | ₹1,28,070 | ₹1,21,233 |
| 10 yrs | ₹54,299 | ₹48,414 | ₹43,041 |
| 15 yrs | ₹28,708 | ₹23,928 | ₹19,819 |
| 20 yrs | ₹16,865 | ₹13,060 | ₹10,009 |
| 25 yrs | ₹10,446 | ₹7,475 | ₹5,270 |
| 30 yrs | ₹6,666 | ₹4,388 | ₹2,833 |
Monthly SIP needed, compounded monthly, rounded up to the next rupee. Estimates, before tax.
₹1 crore will buy less in 15 years than it does today. In the calculator above, tick my goal is in today's money to raise the target for inflation, add any money you've already saved, or raise your SIP every year to start smaller. See the Goal SIP Calculator guide for more.
About ₹43,041 a month at an expected 12% a year, or ₹48,414 at 10%.
About ₹19,819 a month at 12% a year, ₹23,928 at 10% and ₹28,708 at 8%.
About ₹10,009 a month at 12% a year, or ₹13,060 at 10%. Starting 5 years earlier cuts the monthly amount by roughly half.
No. Mutual fund returns depend on the market and change every year. The rates in the table are assumptions, so treat the results as estimates, before tax and fund charges.