How much SIP to reach ₹1 crore in 12 years?

To build ₹1 crore in 12 years at an assumed 12% return, you need to invest about ₹31,000 a month. Over 12 years you put in ₹44,64,000 of your own money — the rest, about ₹55,25,817, is pure compounding.

How much will you invest each month?

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Typical retail SIP: ₹500 – ₹50,000

What return do you expect?

Equity MF historically ~10–14%, debt ~6–8%, FD ~6–7%

For how many years?

Longer horizons compound harder — even 5 extra years matter

Estimated value after 12 years

₹99,89,817

Invested

₹44,64,000

Estimated returns

₹55,25,817

Growth over time

ValueInvested

Drag the sliders to see how the monthly amount changes if you have more or fewer years, or expect a different return. Starting earlier is the single biggest lever — the same goal needs a far smaller SIP with more time.

What could change the number

If returns are 2 points lower: at 10% instead of 12%, reaching ₹1 crore in 12 years needs about ₹35,900 a month.
If you start 5 years later: with 7 years left, the same goal needs about ₹75,800 a month. Waiting is the most expensive choice in this plan.
In today's money: at 6% inflation, ₹1 crore in 12 years buys what about ₹4,96,96,93,63,577 buys today. If the goal is a price that rises with inflation, plan for a bigger target.

Other SIP goals

Open the full SIP calculator Reach it faster with a step-up SIP

Educational estimate, not investment advice. Mutual-fund returns are not guaranteed; figures are illustrative and ignore expense ratios and tax.