How much SIP you need for ₹1 crore in 5 years
or ₹1,01,567 a month to start, rising 10% every year. Total invested: ₹72.74 lakh flat, ₹74.41 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% | ₹1,35,196 | ₹1,12,417 | ₹81.12 lakh | ₹82.36 lakh |
| 10% | ₹1,28,070 | ₹1,06,894 | ₹76.84 lakh | ₹78.31 lakh |
| 12% | ₹1,21,232 | ₹1,01,567 | ₹72.74 lakh | ₹74.41 lakh |
| 14% | ₹1,14,678 | ₹96,436 | ₹68.81 lakh | ₹70.65 lakh |
What 5 years changes
Five years is short for an all-equity plan. Over individual five-year stretches, equity fund returns in India have varied widely, and a fall in the last year or two can set the result back with little time to recover. That is why the 8% and 10% rows are worth reading as closely as the 12% one.
Year by year at 12%
The flat SIP of ₹1,21,232 a month, followed through each of the 5 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 | ₹14.55 lakh | ₹15.53 lakh | 16% |
| Year 2 | ₹29.1 lakh | ₹33.03 lakh | 33% |
| Year 3 | ₹43.64 lakh | ₹52.75 lakh | 53% |
| Year 4 | ₹58.19 lakh | ₹74.96 lakh | 75% |
| Year 5 | ₹72.74 lakh | ₹1 crore | 100% |
What ₹10,000 a month reaches in 5 years
If the budget is fixed rather than the target, this is where a ₹10,000 SIP lands over the same 5 years.
| Return | Value after 5 years | Of ₹1 crore |
|---|---|---|
| 8% | ₹7.4 lakh | 7% |
| 10% | ₹7.81 lakh | 8% |
| 12% | ₹8.25 lakh | 8% |
| 14% | ₹8.72 lakh | 9% |
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 5 years | Monthly SIP still needed |
|---|---|---|
| ₹0 | ₹0 | ₹1,21,232 |
| ₹2 lakh | ₹3.52 lakh | ₹1,16,959 |
| ₹5 lakh | ₹8.81 lakh | ₹1,10,550 |
| ₹10 lakh | ₹17.62 lakh | ₹99,867 |
₹1 crore in today's money
At 6% inflation, ₹1 crore in 5 years buys about what ₹74.73 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 5 years?
At an assumed 12% annual return, about ₹1,21,232 a month flat, or ₹1,01,567 a month to start with a 10% yearly step-up.
How much will I invest in total for ₹1 crore in 5 years?
At 12%, about ₹72.74 lakh with a flat SIP, or about ₹74.41 lakh with a 10% yearly step-up. The rest is returns.
What is ₹1 crore in 5 years worth today?
At 6% inflation, about ₹74.73 lakh in today's money.
Can ₹10,000 a month reach ₹1 crore in 5 years?
At an assumed 12% a year it reaches about ₹8.25 lakh, which is 8% of ₹1 crore. Reaching ₹1 crore at 12% needs about ₹1,21,232 a month.