Crorepati Calculator
Find out how long it takes to reach ₹1 crore, and what you must invest monthly.
The corpus you want, e.g. ₹1 crore.
Money already invested toward it.
Your own assumption, not a promised or guaranteed return.
Time you give yourself.
Quick examples
To reach ₹1,00,00,000 in 15 years at an assumed 12% return.
What each result means
Monthly SIP needed
What it is: Monthly amount to reach the target.
Your value: ₹19,819
The headline figure.
Current savings grown
What it is: Existing savings at your return.
Your value: ₹0
Reduces the SIP.
Total you will invest
What it is: SIP × months + current savings.
Your value: ₹35,67,352
Your own money.
Target in today's money (6% inflation)
What it is: Target ÷ 1.06ʸ — what it may be worth in today's rupees.
Your value: ₹41,72,651
Inflation shrinks a crore over time.
Year-by-year breakdown
| Year | Invested this year (₹) | Total invested (₹) | Estimated growth (₹) | Value at year end (₹) |
|---|---|---|---|---|
| 1 | ₹2,37,823 | ₹2,37,823 | ₹16,040 | ₹2,53,863 |
| 2 | ₹2,37,823 | ₹4,75,647 | ₹64,276 | ₹5,39,923 |
| 3 | ₹2,37,823 | ₹7,13,470 | ₹1,48,791 | ₹8,62,262 |
How to read this: each row is one year of SIP; the final row plus your grown savings reaches the target.
Showing the first 3 of 15 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator works out the monthly SIP that, together with your current savings, could grow to your target amount at your assumed return.
What your result means
It shows what the numbers give under your assumptions. It is not a plan or a promise of reaching the target.
Formula
1. SIP needed for a target
Symbols
- i
- Monthly return = annual ÷ 12 (decimal)
- n
- Months
Why this formula works
It reverses the future-value-of-SIP formula: the monthly amount that grows to the target.
Unit check
₹ = ₹ ÷ (pure ratio). ✓
Worked example
₹1 crore, 12%, 15 years (n = 180): SIP ≈ ₹19,819.
Common mistakes
Using the annual rate as the monthly rate. Forgetting to inflate the goal to its future cost.
2. Target in today's money
Symbols
- 1.06
- Illustrative 6% inflation
Working for your numbers
- Savings grown = ₹0 × 1.12^15 = ₹0
- Gap = ₹1,00,00,000
- SIP factor = 504.5760
- SIP = ₹19,819
Frequently asked questions
Is ₹1 crore in 20 years the same as ₹1 crore today?
No. At 6% inflation, ₹1 crore in 20 years buys roughly what ₹31 lakh buys today.
Is the return on this page guaranteed?
No. Every rate here is your own assumption. Market-linked results go up and down; this page shows what the numbers give under your assumptions, not a promise.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- T
- Target
- S
- Current savings
- r
- Assumed return
- y
- Years
- Constant return, compounded monthly for SIP and yearly for savings.
- Inflation illustration uses 6%.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
Your existing money keeps compounding while each new monthly investment compounds for the months left. The calculator steps forward month by month until the total crosses your goal, and also solves the reverse question: the monthly amount needed to get there within the years you have.
The formula
FV = L × (1+i)^m + P × [((1+i)^m − 1) / i] × (1+i)- L
- Money already invested
- P
- Monthly investment
- i
- Monthly return = annual return ÷ 12
- m
- Number of months
Worked example
₹15,000 a month at 12% reaches ₹1 crore in roughly 17 years; to do it in 15 you need about ₹20,000 a month.
Pro tips
- Raising your monthly amount each year shortens the timeline far more reliably than chasing higher returns.
- Check the goal again in today's money, inflation reduces what ₹1 crore buys later.
Common mistakes
- Assuming a high return will hold every single year.
- Ignoring the tax payable when you finally redeem.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.