How much SIP do I need for ₹1 crore in 15 years?
A longer horizon means a smaller required monthly SIP to reach the same ₹1 crore target — adjust the monthly amount until the 15-year projection matches.
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 is the required monthly amount lower over 15 years than over 10?
More time means more compounding — the same target corpus needs a smaller monthly contribution the longer you have to grow it, assuming the same rate of return.
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.