The crorepati calculator below answers the three questions every Indian SIP investor asks: how much should I save each month to reach ₹1 crore, how many years will it take at my current SIP, and what corpus will I actually end up with. It uses standard SIP future-value math (with built-in inflation adjustment so you also see the corpus in today’s purchasing power) and handles lump-sum + SIP combinations. For methodology and disclosures, see the regulator notes at SEBI and the industry definitions at AMFI.
Last updated: May 2026. Educational tool, not investment advice.
Crorepati Calculator — SIP, Lump Sum & Goal Planner
Three modes. Pick what you want to find out.
Key Takeaways
- To reach ₹1 crore in 10 years at 12% return, you need a monthly SIP of approximately ₹43,500. In 15 years: ₹20,000/month. In 20 years: ₹10,000/month. In 25 years: ₹5,300/month.
- The longer the horizon, the more compounding does the work. A 25-year SIP delivers ₹1 crore on just ₹16 lakh of total contributions; a 10-year SIP needs ₹52 lakh.
- Inflation eats the headline number. ₹1 crore in 20 years is worth only ₹31 lakh in today’s purchasing power at 6% inflation. Aim higher than ₹1 crore if your goal is real freedom.
- The single biggest lever is time, not return rate. Stretching a SIP from 10 to 20 years drops the monthly requirement by ~75% — far bigger than any plausible return improvement.
- Annual SIP step-up of 10–15% (raising SIP each year) cuts the required starting SIP by another 30–40% versus a flat SIP.
What Does “Crorepati” Mean in 2026 — and Why ₹1 Crore Is Not What It Used to Be
A crorepati is someone with a net worth or liquid wealth of at least ₹1 crore (₹100 lakh). The word has the same emotional weight in Indian personal finance as “millionaire” does in the West — a milestone you cross, a number you tell your spouse about, a goal that sits behind dozens of SIP decisions.
But ₹1 crore in 2026 buys a lot less than ₹1 crore in 2006 did. At India’s long-run 6% inflation, the purchasing power of ₹1 crore halves roughly every 12 years. So if you set a “₹1 crore by 2046” goal today, what you are really aiming for is the 2026 equivalent of about ₹31 lakh in purchasing power. The crorepati calculator above lets you toggle inflation and see both the nominal and real corpus side by side — most other calculators ignore the inflation drag entirely.
The Math Behind the Crorepati Calculator
The calculator uses three formulas you can run yourself in Excel:
SIP future value: FV = M × [((1 + r/12)^n − 1) ÷ (r/12)] × (1 + r/12)
Lump-sum future value: FV = P × (1 + r)^years
Real (inflation-adjusted) corpus: Real FV = Nominal FV ÷ (1 + inflation)^years
Where M is the monthly SIP, r is the annual return (decimal), and n is the number of months. The “(1 + r/12)” multiplier at the end of the SIP formula accounts for the fact that SIP investments are made at the start of each month, not the end.
How Much SIP for 1 Crore? Quick Reference Table
The single most-asked question among Indian SIP investors. Below is the required monthly SIP to reach exactly ₹1 crore, at a 12% annual return, for different horizons. The middle column is the total amount invested; the right column is the wealth multiplier (how many times your contributions become).
| Time horizon | Monthly SIP needed (12% return) | Total invested | Wealth multiplier |
|---|---|---|---|
| 5 years | ~₹1,21,000 | ~₹72.6 lakh | 1.38× |
| 10 years | ~₹43,500 | ~₹52.2 lakh | 1.92× |
| 15 years | ~₹20,000 | ~₹36.0 lakh | 2.78× |
| 20 years | ~₹10,000 | ~₹24.0 lakh | 4.17× |
| 25 years | ~₹5,300 | ~₹15.9 lakh | 6.29× |
| 30 years | ~₹2,830 | ~₹10.2 lakh | 9.80× |
The non-linear pattern is the entire story of compounding. Stretching the horizon by 10 years (from 15 to 25) cuts the required monthly SIP from ₹20,000 to ₹5,300 — a 73% reduction. Time, not size of SIP, is the secret of every Indian crorepati.
How Much SIP for 2 Crore, 5 Crore, 10 Crore?
If ₹1 crore feels too modest given India’s inflation, here are the higher targets. All numbers at 12% annual return.
| Target | SIP for 15 yrs | SIP for 20 yrs | SIP for 25 yrs |
|---|---|---|---|
| ₹1 crore | ~₹20,000 | ~₹10,000 | ~₹5,300 |
| ₹2 crore | ~₹40,000 | ~₹20,000 | ~₹10,500 |
| ₹5 crore | ~₹1,00,000 | ~₹50,000 | ~₹26,500 |
| ₹10 crore | ~₹2,00,000 | ~₹1,00,000 | ~₹53,000 |
For most middle-class Indian earners, a 20-year ₹2 crore goal (₹20,000/month SIP) is the realistic upper end. ₹5 crore is achievable but requires a high-earner profile or a 25-year horizon. ₹10 crore typically requires either a very long horizon or above-average returns from concentrated bets (which carry their own risks).
The Inflation Reality — What ₹1 Crore Will Actually Buy
This is the conversation most crorepati calculators avoid. At 6% inflation (India’s long-run average), every ₹1 today becomes worth less in the future. The table below shows what ₹1 crore in different future years is equivalent to in today’s purchasing power.
| If ₹1 crore is in… | Real value in today’s rupees |
|---|---|
| 5 years | ~₹75 lakh |
| 10 years | ~₹56 lakh |
| 15 years | ~₹42 lakh |
| 20 years | ~₹31 lakh |
| 25 years | ~₹23 lakh |
| 30 years | ~₹17 lakh |
If your real goal is to retire with the buying power of ₹1 crore in today’s terms, in 20 years you need to target ₹3.2 crore in nominal corpus. Set your goal in real terms first, then back-solve the nominal number for the calculator.
The 4 Levers — How to Hit Your Crorepati Goal Faster
- Time. The single biggest lever. Doubling your horizon from 10 to 20 years cuts the required SIP by ~75%. Starting at 25 instead of 35 changes the math entirely.
- SIP amount. Direct and obvious. Doubling SIP doubles the final corpus (linear effect).
- Return rate. A 1% higher CAGR for 20 years compounds into ~20% more corpus. Worth chasing, but only via tax efficiency (direct plans, ELSS) and lower expense ratios, not by taking concentrated bets.
- Annual step-up. Raising your SIP by 10% every year (matching salary growth) cuts the required starting SIP by ~30–40%. Most platforms now support automatic step-up SIPs — switch it on.
Best Mutual Fund Categories for the Crorepati Goal
To get the 12% CAGR the calculator assumes, your SIP needs to be in equity-dominant funds. The historical long-run CAGR (TRI, 20-year) of different categories:
- Nifty 50 / Sensex index funds: ~12.5% CAGR. The default for passive investors. Low expense ratio (~0.1–0.3% TER for direct plans). See our index funds guide.
- Flexicap funds: 12–14% CAGR over long periods. Active management with diversified large + mid-cap exposure. Best for SIPs of 15+ years.
- Nifty Midcap 150 / Smallcap 250 index funds: 14–17% CAGR but with much higher volatility. Add only as 20–30% of total SIP, not as core holding.
- ELSS (tax-saving) funds: Equivalent to flexicap; 3-year lock-in. Doubles as 80C tax saving. ELSS explained.
- Hybrid / balanced advantage funds: 9–11% CAGR with lower volatility. Suitable for SIPs under 10 years where capital preservation matters.