How much SIP you need for ₹1 crore in 20 years
or ₹5,028 a month to start, rising 10% every year. Total invested: ₹24.02 lakh flat, ₹34.56 lakh with the step-up.
At different returns
Equity fund returns are not fixed, so the table shows four planning assumptions. The SIP is invested at the start of each month and compounds monthly, the method AMFI and fund houses use.
| Return | Flat SIP | Starting SIP, 10% step-up | Invested, flat | Invested, step-up |
|---|---|---|---|---|
| 8% | ₹16,865 | ₹7,533 | ₹40.48 lakh | ₹51.77 lakh |
| 10% | ₹13,060 | ₹6,194 | ₹31.34 lakh | ₹42.57 lakh |
| 12% | ₹10,009 | ₹5,028 | ₹24.02 lakh | ₹34.56 lakh |
| 14% | ₹7,597 | ₹4,031 | ₹18.23 lakh | ₹27.7 lakh |
What 20 years changes
Over twenty years, the flat SIP for ₹1 crore at 12% falls to about ₹10,000 a month, and with a 10% step-up to about ₹5,000. Most of the final amount is returns. The catch is inflation: ₹1 crore twenty years from now buys about what ₹31 lakh buys today at 6%.
Year by year at 12%
The flat SIP of ₹10,009 a month, followed through each of the 20 years. The last column is how much of the ₹1 crore is in place by the end of that year.
| End of | Invested | Value | Of ₹1 crore |
|---|---|---|---|
| Year 1 | ₹1.2 lakh | ₹1.28 lakh | 1% |
| Year 2 | ₹2.4 lakh | ₹2.73 lakh | 3% |
| Year 3 | ₹3.6 lakh | ₹4.35 lakh | 4% |
| Year 4 | ₹4.8 lakh | ₹6.19 lakh | 6% |
| Year 5 | ₹6.01 lakh | ₹8.26 lakh | 8% |
| Year 6 | ₹7.21 lakh | ₹10.58 lakh | 11% |
| Year 7 | ₹8.41 lakh | ₹13.21 lakh | 13% |
| Year 8 | ₹9.61 lakh | ₹16.17 lakh | 16% |
| Year 9 | ₹10.81 lakh | ₹19.5 lakh | 19% |
| Year 10 | ₹12.01 lakh | ₹23.25 lakh | 23% |
| Year 11 | ₹13.21 lakh | ₹27.48 lakh | 27% |
| Year 12 | ₹14.41 lakh | ₹32.25 lakh | 32% |
| Year 13 | ₹15.61 lakh | ₹37.63 lakh | 38% |
| Year 14 | ₹16.81 lakh | ₹43.68 lakh | 44% |
| Year 15 | ₹18.02 lakh | ₹50.5 lakh | 51% |
| Year 16 | ₹19.22 lakh | ₹58.19 lakh | 58% |
| Year 17 | ₹20.42 lakh | ₹66.85 lakh | 67% |
| Year 18 | ₹21.62 lakh | ₹76.61 lakh | 77% |
| Year 19 | ₹22.82 lakh | ₹87.61 lakh | 88% |
| Year 20 | ₹24.02 lakh | ₹1 crore | 100% |
What ₹10,000 a month reaches in 20 years
If the budget is fixed rather than the target, this is where a ₹10,000 SIP lands over the same 20 years.
| Return | Value after 20 years | Of ₹1 crore |
|---|---|---|
| 8% | ₹59.29 lakh | 59% |
| 10% | ₹76.57 lakh | 77% |
| 12% | ₹99.91 lakh | 100% |
| 14% | ₹1.32 crore | 132% |
If you already have some savings
Money invested today grows alongside the SIP, so a starting sum lowers the monthly amount. At 12% a year, compounded yearly for the lump sum:
| Invested today | Grows to in 20 years | Monthly SIP still needed |
|---|---|---|
| ₹0 | ₹0 | ₹10,009 |
| ₹2 lakh | ₹19.29 lakh | ₹8,078 |
| ₹5 lakh | ₹48.23 lakh | ₹5,181 |
| ₹10 lakh | ₹96.46 lakh | ₹354 |
₹1 crore in today's money
At 6% inflation, ₹1 crore in 20 years buys about what ₹31.18 lakh buys today. If the goal is a fixed amount in today's terms, set the target higher: the SIP calculator's goal mode lets you enter any target and shows the after-inflation value.
Try your own numbers
Open the SIP calculator, choose "How much should I invest?", and set the target, years, return and step-up. If you already have savings, the retirement planner accounts for them.
Common questions
How much SIP is needed for ₹1 crore in 20 years?
At an assumed 12% annual return, about ₹10,009 a month flat, or ₹5,028 a month to start with a 10% yearly step-up.
How much will I invest in total for ₹1 crore in 20 years?
At 12%, about ₹24.02 lakh with a flat SIP, or about ₹34.56 lakh with a 10% yearly step-up. The rest is returns.
What is ₹1 crore in 20 years worth today?
At 6% inflation, about ₹31.18 lakh in today's money.
Can ₹10,000 a month reach ₹1 crore in 20 years?
At an assumed 12% a year it reaches about ₹99.91 lakh, which is 100% of ₹1 crore. Reaching ₹1 crore at 12% needs about ₹10,009 a month.