SIP Calculator: How ₹1,000, ₹2,000 or ₹7,500 Monthly Can Create ₹1 Crore?

Systematic Investment Plans (SIPs) have become a popular way for Indians to build long-term wealth. According to data from Association of Mutual Funds in India, SIP inflows reached ₹31,002 crore in January 2026.

• Active SIP accounts: 9.92 crore
• SIP AUM: ₹16.36 lakh crore
• SIP assets form over 20% of total MF industry AUM

This shows how strongly retail investors are adopting disciplined investing.

Goal: ₹1 Crore by Age 60

Let’s assume:

• Annual return: 15%
• Target: ₹1 crore
• Investment through monthly SIP

(15% is used for illustration. Actual returns may vary.)

If You Start at Age 25

• Investment period: 35 years
• Monthly SIP needed: ₹1,000

If you invest ₹1,000 every month for 35 years at 15%, you can accumulate about ₹1.14 crore by age 60.

This shows the power of compounding. A small amount, invested early, grows significantly over time.

If You Start at Age 30

• Investment period: 30 years
• Monthly SIP needed: ₹2,000

Starting five years later doubles the required monthly amount.

Investing ₹2,000 per month for 30 years can grow to around ₹1.12 crore.

Delay increases the monthly burden sharply.

If You Start at Age 40

• Investment period: 20 years
• Monthly SIP needed: ₹7,500

With only 20 years left, the required investment jumps to ₹7,500 per month to reach ₹1 crore.

The difference is not because returns changed, it is because time reduced.

Why SIP Works Well

• Power of compounding: Returns generate more returns over time.
• Rupee cost averaging: Invest regularly across market ups and downs.
• Disciplined approach: Removes emotional investing decisions.
• Flexible start: Can begin with small amounts.

Important Points to Remember

• 15% returns are not guaranteed.
• Equity markets can be volatile in the short term.
• Longer time horizons reduce risk.
• Increase SIP as income grows.
• Diversify across fund categories.
• Review portfolio yearly, not frequently.
• Gradually shift to safer assets near retirement.

Also Read: How to Increase SIP Investments After a Pay Raise?

Conclusion

Building ₹1 crore is less about picking the perfect fund and more about starting early and staying consistent.

The earlier you begin, the easier the journey. In long-term investing, time is your biggest advantage.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a private recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.