How much SIP is needed for ₹1 crore in India?

At 12% annual returns: ₹20,000/month for 15 years, or ₹43,000/month for 10 years. At 14% returns: ₹17,400/month for 15 years. At 10% returns: ₹24,800/month for 15 years. Use the calculator above for your exact tenure and return assumption.

What is the formula to calculate required SIP?

Required SIP = Target × r / [(1+r)^n − 1] / (1+r), where r = monthly rate (annual rate ÷ 12) and n = total months. This is the Present Value of Annuity formula rearranged. For a ₹1 crore goal in 15 years at 12% annual return: r = 1%, n = 180 months → SIP ≈ ₹20,000/month.

Should I adjust my SIP goal for inflation?

Yes. If your goal is to have ₹1 crore in today's money 15 years from now, you need to inflate that target by 6% annually. ₹1 crore today = ₹2.4 crore in 15 years at 6% inflation. This means your actual SIP target should be ₹2.4 crore, which requires ₹48,000/month at 12% return.

What return rate should I assume for SIP planning in India?

For conservative planning, use 10–11% for Nifty 50 index funds. For diversified equity funds, use 12%. For mid cap funds with 10+ year horizon, use 12–13%. Never plan with more than 15% — Indian market history (Nifty 50 15-year rolling XIRR) shows most investors earn 11–13% CAGR on systematic investments.

Free Calculator

Required SIP Calculator

Working backwards from your goal. Tell us what you want — retirement corpus, child's education, home down payment — and we'll tell you the exact monthly SIP you need to start today.

By Deepak Jha, NISM Series V-A certified · Last updated 21 September 2026

📚 Understand This Calculator

Required SIP: work backwards from your goal, not your leftovers

Most people invest whatever is left at the end of the month. That's why most people don't reach their goals. Smart investing works the other way: decide your goal first, then calculate exactly what monthly SIP gets you there — and treat it like an EMI you pay yourself first.

This calculator does the reverse SIP math for you. Tell it your goal amount, your timeline, and your expected return — it tells you the exact SIP you need to start today.

🇮🇳 Real-Life Example

Kavya has a 7-year-old daughter. She wants ₹50 lakh ready for her college and wedding expenses 15 years from now. She has zero savings right now. How much SIP?

📌 At 12% expected return: ₹8,750/month

📌 At 10% expected return: ₹11,000/month

📌 At 8% expected return: ₹13,600/month

Now imagine Kavya says "let me think about this for a year." After just 1 year of delay, the required SIP jumps to ₹10,200/month — ₹1,450 more every single month, forever. The cost of waiting 12 months is ₹1,450 × 168 remaining months = ₹2.43 lakh in extra contributions. Plus she misses compounding.

💡 The Key Insight

Higher expected returns mean lower required SIP. But resist the temptation to assume 15–18% returns just to make the number look affordable. Plan at 10–12%. If markets deliver more, you'll have a pleasant surplus. If you over-assume, you'll reach your goal year short of your target.

⚠️ Common Mistake

Not accounting for inflation in the goal amount. If you want "₹1 crore for retirement" in 20 years, remember that ₹1 crore in 20 years will only buy what ₹30–35 lakh buys today (at 6% inflation). Your real goal should be ₹3 crore. Use the Inflation Calculator to find the right inflation-adjusted target before using this calculator.

🎯 Your Financial Goal

🏖️

Retirement

₹1 Cr / 20Y

🎓

Education

₹50L / 15Y

🏠

Home Down

₹25L / 10Y

💍

Marriage

₹30L / 12Y

🚗

Vehicle

₹15L / 5Y

✈️

Dream

₹50L / 10Y

Target Corpus (₹)

How much do you want to accumulate?

Time Horizon (Years)

When do you need this money?

Expected Annual Return (%)

Conservative 10% · Moderate 12% · Aggressive 14–15%

Inflation Rate (%) — for real target

Should your goal grow with inflation too?

🎯

Set your goal — we'll do the math

Choose a goal preset or enter custom values. We'll show you the exact monthly SIP needed, with and without inflation adjustment.

SIP Requirements at Different Return Rates

Frequently Asked Questions

What return rate should I assume for my SIP? ▾

For long-term equity mutual funds (10+ years), 10–12% is a reasonable assumption based on Nifty 50's historical CAGR. For 5–7 year goals, use 10% to be conservative. For goals under 3 years, equity mutual funds are not appropriate — use debt funds at 6–7.5%.

Should I target the nominal goal or the inflation-adjusted goal? ▾

Always plan for the inflation-adjusted target if it's a future expense. If your child's education costs ₹50 lakh today but you need the money in 15 years, at 8% education inflation that cost will be ₹1.59 crore. Planning for ₹50 lakh will leave you massively short. Use the inflation-adjusted SIP amount.

Can I start with a lower SIP and increase it over time? ▾

Yes — this is called a Step-up SIP. If you start with a lower SIP amount and increase it by 10% every year, you can reach the same corpus while paying less in the early years. Use our Step-up SIP Calculator to plan this strategy.

Related Calculators

Keep Reading

Start Your Goal SIP Today

BullWiser's MF Analyser helps you find Direct-plan mutual funds with the right return profile for each of your goals — at lowest possible cost.