SIP Goal Planner: Monthly SIP for ₹1–5 Crore, Every Timeline
How much monthly SIP does each crore-corpus goal take? The full matrix of targets and timelines at realistic returns, with flat and step-up strategies compared.
⚠️ Not financial advice. Figures are estimates from the stated assumptions and should not be the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant.
“How much SIP for ₹1 crore?” is the wrong question until you attach a timeline — the answer differs by a factor of five between a 10-year and a 25-year horizon. This planner pins down the number for each combination; every row links to the full scenario table with conservative and optimistic returns and the step-up alternative.
| Target corpus | Timeline | Monthly SIP @ 12% | Full scenarios |
|---|---|---|---|
| ₹1 crore | 10 years | ₹43,041 | View scenarios → |
| ₹1 crore | 15 years | ₹19,819 | View scenarios → |
Why the timeline dominates the math
SIP growth is exponential in time but only linear in the monthly amount. Doubling your monthly SIP doubles the corpus; doubling the timeline can multiply it several times over at the same contribution. That asymmetry is why the most effective “strategy” in this entire planner is starting earlier at a smaller amount rather than waiting until a bigger amount feels comfortable — and why the step-up structure, which automates “more later,” consistently beats good intentions.
Frequently asked questions
- What return assumption do these figures use?
- The chart shows the flat monthly SIP at a 12% assumed annual return — the common planning assumption for diversified Indian equity funds. Each linked page also computes 10% and 15% scenarios plus a 10% annual step-up variant.
- Is a step-up SIP better than a flat SIP?
- A flat SIP invests more earlier, so it needs less total contribution — if you can afford it from day one. A step-up SIP starts smaller and rises with your income, which is usually the plan that actually survives. The per-goal pages show both starting amounts side by side.
- Should I plan in today's rupees or future rupees?
- These targets are nominal (future rupees). If your goal is defined in today's purchasing power, inflate it first — at 5% inflation, today's ₹1 crore is roughly ₹1.6 crore in 10 years and ₹2.1 crore in 15. The SIP calculator lets you size against the inflated figure.