SIP Calculator: How Much Monthly SIP Is Needed to Reach ₹1 Crore in 10 Years?

A financial goal such as building a ₹1 crore corpus may appear ambitious at first glance. However, when broken down into systematic monthly investments, the target becomes more structured and measurable.  

A SIP calculator helps convert this long term aspiration into a clear monthly contribution figure based on time horizon and expected rate of return. 

Let us understand this with a simple illustration. 

Understanding The Goal Of ₹1 Crore Corpus Using SIP Calculator 

Suppose Mr A wants to accumulate ₹1 crore over the next 10 years. He plans to invest through a systematic investment plan and expects an annual return of 12% CAGR. 

Using a SIP calculator, the inputs would be: 

Required corpus: ₹1 crore 
Investment period: 10 years 
Expected return: 12% CAGR 

Based on these assumptions, the SIP calculator shows that the required monthly SIP amount is approximately ₹43,100. 

How The SIP Calculator Arrives At ₹43,100 Per Month 

A SIP calculator works by computing the future value of monthly investments compounded at a specified rate of return. 

For Mr A’s target: 

Monthly SIP required: ₹43,100 
Total investment over 10 years: ₹51,72,000 
Estimated returns earned: ₹48,41,814 
Total corpus at the end of 10 years: ₹1,00,13,814 

Out of the final value of ₹1,00,13,814, nearly half of the corpus comes from estimated returns generated through compounding. The invested amount is ₹51,72,000, while the growth component is ₹48,41,814. 

Read More: SIP Calculator: How ₹25,000 SIP Beats ₹50,000; Why Longer Tenure Matters More Than Larger Amounts! 

Conclusion  

To accumulate ₹1 crore in 10 years at an assumed return of 12% CAGR, a monthly SIP of approximately ₹43,100 is required. The SIP calculator provides clarity on how much needs to be invested, how much comes from capital invested, and how much is generated through estimated returns. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or 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.