Goal calculator — how much monthly SIP for ₹1 Cr?
The reverse of a SIP calculator — enter the goal, tenure, and return, get the exact monthly SIP required. If you enter the goal in today's rupees, we inflate it for you so the future SIP actually buys what you meant.
Your goal
How to hit this goal
Start a monthly SIP of ₹47,496 for 15 years. With a 10% annual step-up the number drops to roughly ₹29,448 starting SIP — your contributions scale with salary instead of being front-loaded.
The math
Required monthly SIP = Target / [((1 + r)^n − 1) / r] / (1 + r) Target = FV you need at the end of period r = monthly rate = (annual rate / 100) / 12 n = total months = years × 12 When "target in today's rupees" is checked, the target is first scaled up by (1 + inflation)^years so the future SIP actually has that purchasing power.
Benchmark goals
- ₹1 Crore in 15 years, 12% return — ~₹19,800/month SIP (no step-up). With 10% step-up, start at ~₹12,400/month.
- Retirement corpus ₹5 Cr in 25 years — ~₹26,600/month SIP flat, ~₹12,500 starting with step-up.
- Kid's undergrad ₹40 L in 15 years(today's cost ~₹20L, inflation 8%) — ~₹8,000/month.
- House down-payment ₹20 L in 5 years — ~₹25,000/month at 10% (keep equity exposure lower since horizon is short).
Shorter goals (< 5 years) should lean debt-heavy — equity volatility can wipe out a 5-year plan 6 months before the target if you're unlucky. Longer goals (> 10 years) can be fully equity.
Paired calculators
Research tool · not investment advice.
Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Return and inflation assumptions are long-term averages, not guarantees. Equity returns in India have averaged 12% over 20-year windows but single-decade windows have ranged from 7% to 17%.