SIP to Reach ₹1 Crore —
Your Exact Monthly Number

At 12% annual return, you need approximately ₹43,700/month SIP to reach ₹1 Crore in 10 years. At 15% return, about ₹38,500/month. At 10% return, around ₹48,800/month. The monthly SIP is significantly higher for 10 years vs 15–20 years because you have less time for compounding to do its work.

At 12% annual return, you need approximately ₹19,800/month SIP for ₹1 Crore in 15 years. At 15%, about ₹15,300/month. At 10%, around ₹24,700/month. Fifteen years is the sweet spot for ₹1 Crore — the SIP amount becomes achievable for most middle-income Indian households earning ₹8–12 lakh/year.

At 12% annual return, approximately ₹10,000/month SIP reaches ₹1 Crore in 20 years. At 15%, just ₹6,900/month. At 10%, about ₹13,200/month. Twenty years is remarkable — at 12% returns, even ₹10,000/month (a very achievable SIP for most salaried Indians) crosses the ₹1 Crore mark. This shows why starting SIP early in your career changes your financial trajectory completely.

₹1 Crore is a milestone, not necessarily a retirement number. At 4% safe withdrawal rate, ₹1 Crore provides ₹33,333/month in retirement income. For urban India in 2026, monthly expenses for a couple typically range ₹40,000–₹1,20,000. ₹1 Crore may be sufficient for early retirement if: you live in a lower cost city, have no major liabilities, own your home, and have other income sources (EPF, PPF, rental). Most advisors recommend ₹3–5 Crore as a comfortable retirement corpus for urban India.

A step-up SIP dramatically reduces the time to reach ₹1 Crore. Starting with ₹10,000/month and adding 10% per year, at 12% return you reach ₹1 Crore in about 14 years instead of 20 — saving 6 years. The step-up aligns with natural income growth (most salaried Indians get 8–12% annual raises), making it psychologically and financially sustainable. Use the step-up slider above to see the exact impact for your numbers.