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SIP Calculator for 1 Crore

Most people asking this question want the number flipped around: not 'what does ₹X/month become', but 'what monthly SIP reaches ₹1 crore'. This page opens with ₹10,000/month for 20 years at 12% p.a. — very close to ₹1 crore — so you can see the target hit, then adjust the monthly amount or years until the estimated value lands on ₹1 crore for your own timeline.

  • Nothing you type leaves this page
  • Works offline once loaded
  • Free forever, no signup

Step-up raises your SIP once every 12 months — e.g. 10% turns ₹5,000 into ₹5,500 from month 13.

From a free tool to your own software

Software for mutual fund distributors and wealth advisors

Mutual fund distributors and advisors spend client meetings rebuilding SIP projections in spreadsheets, and a step-up or goal date changed mid-conversation means starting over. Firms serving a large book of investors need goal plans, SIP records and portfolio reports in one system, with every projection clearly labelled as an assumption rather than a promise.

  • Goal-based planning platforms

    Map each client's goals, such as a child's education or retirement, to SIPs with optional annual step-ups, and show projections with the assumed return stated plainly.

  • Distributor back-office and CRM

    Keep client folios, SIP start and end dates, mandates and follow-ups together, and see which SIPs are about to end or have missed an instalment before the client notices.

  • Investor apps for your advisory firm

    A branded mobile app where clients view holdings, start or pause SIPs through the transaction platforms you already use, and read the reports your team publishes.

  • Portfolio reporting from RTA statements

    Import consolidated account statements, reconcile transactions across fund houses and produce clean periodic reports for each client without copying figures by hand.

Who we build this for: Mutual fund distributors, wealth advisory firms, investment platforms and fintech apps serving retail investors.

This tool runs entirely in your browser. The team that built it designs custom software for businesses and runs DigiSign, our own signage platform, in production.

Plan an investor platform Web & Mobile Applications

How to use this tool

  1. Start from the ₹10,000/month, 20-year example

    At 12% p.a. this lands close to ₹1 crore — a useful anchor for the maths.

  2. Adjust the monthly amount or years for your own goal

    Have fewer years? Increase the monthly amount and watch the estimated value climb toward ₹1 crore — the calculator recomputes instantly, there's no separate 'goal' mode needed.

  3. Check the invested-vs-gain split

    At 12% over 20 years, roughly a quarter of the ₹1 crore is money you put in and the rest is growth — the split card shows the exact ratio for your numbers.

Questions people ask

How much SIP do I need for ₹1 crore?

At an assumed 12% p.a., roughly ₹43,000/month for 10 years, ₹19,800/month for 15 years, or ₹10,000/month for 20 years gets you close to ₹1 crore. Longer horizons need dramatically less monthly commitment because compounding does more of the work — set your own years in this calculator and adjust the monthly amount until the value lands near ₹1 crore.

Why does 20 years need so much less monthly SIP than 10 years for the same 1 crore?

Because compounding is exponential, not linear — doubling the time roughly quadruples the growth multiple at a steady rate, so a much smaller monthly contribution reaches the same target given twice the years to grow.

Does this calculator have a dedicated goal-amount input?

It uses the same SIP engine as our main SIP calculator — set the monthly amount and years, and the estimated value updates instantly, so reaching ₹1 crore is a matter of nudging the amount up or down until the result matches, rather than a separate reverse-calculation mode.

Is 12% a safe return assumption for a 1 crore goal?

It's a common long-term assumption for diversified Indian equity mutual funds, not a guarantee. Rerun the numbers at 10% to see how much more monthly SIP or how many more years a more conservative assumption needs — treat the higher rate as an optimistic case, not a plan.

Should I add a step-up instead of a flat SIP for this goal?

A step-up SIP reaches the same ₹1 crore with a smaller starting amount, since your contribution grows with your income — try our SIP calculator with step-up to see how much smaller a starting SIP can be for the same 20-year, ₹1 crore target.

Is my SIP planning data private?

Yes — everything is computed in your browser, nothing is stored on a server, and the page keeps working offline once loaded.

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Who makes these tools

Free because it costs us nothing to run: your browser does the work, not our servers. Made by Dynamb Technologies — we build software for businesses.