CALCULATE YOUR SIP RETURNS

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

Written by: Team Angel OneUpdated on: 20 Aug 2025, 9:10 pm IST
The SIP calculator shows that to achieve ₹1 crore in 10 years with 12% returns, a monthly SIP of ₹43,100 is needed. Know how your investment grows over time.
SIP Calculator: How Much to Invest Monthly to Reach ₹1 Crore in 10 Years?
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To become a crorepati is a cherished milestone for many individuals in India. While the first ₹1 crore is believed to be the hardest to earn, systematic and disciplined investing through SIP makes this dream more achievable. The question remains, how much is needed every month to turn this dream into reality?

How Much SIP is Needed to Reach ₹1 Crore?

To create a corpus of ₹1 crore in 10 years with an expected annual return of 12%, the monthly SIP required is ₹43,100. This amount, invested consistently every month, benefits from the power of compounding across the investment period.

Key Investment Numbers

At the end of 10 years, the total value of your investment is projected to be ₹1,00,13,814. The total amount invested over this period stands at ₹51,72,000. The estimated returns generated through compounding are ₹48,41,814.

Why Consistency Matters in SIP

Consistency is the core of a successful SIP. Regular contributions help in averaging the cost of investment and create a disciplined habit. Over time, small monthly instalments accumulate into a large corpus without causing financial strain.

Using SIP Calculators for Goal Planning

An online SIP calculator assists in goal-based investing by offering clear insights into required monthly contribution, future value of investment and wealth creation timeline. It helps adjust inputs like tenure or expected return to suit your financial goals.

Read More: Tata AIA Life Insurance Unveils Momentum 50 Index Fund

Conclusion

Reaching ₹1 crore is possible with disciplined monthly investing and patience. Systematic planning through SIP and periodic review of your portfolio can keep you aligned with your wealth creation goal.

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.

Investments in securities are subject to market risks. Read all related documents carefully before investing.

Published on: Aug 20, 2025, 3:40 PM IST

Team Angel One

Team Angel One is a group of experienced financial writers that deliver insightful articles on the stock market, IPO, economy, personal finance, commodities and related categories.

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