How much SIP do I need for ₹1 crore in 10 years?
Rather than guessing, work backward from the ₹1 crore target: the calculator shows what a given monthly SIP grows into over 10 years — adjust the monthly amount until the projection reaches your target.
SIP Calculator — pre-filled with these numbers
Opens the full calculator with these values already set, in your own currency — adjust anything and the result updates instantly.
Open calculator →Each month's SIP is invested and compounds at 1/12th of your annual rate. If you set a step-up, the monthly amount itself grows by that percentage every 12 months, so later years contribute more than early ones — this is why step-up SIPs pull ahead of flat SIPs so sharply over long horizons.
Equity SIP gains held over 1 year qualify for LTCG, taxed at 12.5% above a ₹1.25L exemption per year (July 2024 rules) — each SIP instalment has its own 1-year clock (FIFO), so early instalments turn long-term before later ones. Under 1 year is short-term, taxed at 20%.
Why does the default monthly amount not exactly reach ₹1 crore?
It's a starting point close to the target at a commonly used illustrative return — your actual required amount depends on the return you assume, so adjust the slider until the projection matches ₹1 crore at a return you find realistic.
Is this a simplified version of the real calculator?
No — it's the exact same calculator, opened with these values already filled in. There's no separate, simplified math happening on this page; everything below adjusts once you open it.