Crorepati calculator
Reaching ₹1 crore takes about ₹43,041 a month over 10 years, ₹19,819 over 15, or ₹5,270 over 25 — all at 12% a year. The instalment falls by roughly 88% purely by starting earlier.
Your crore, and your deadline
Set to ₹1 crore. Change it if your definition of "enough" is a different number.
An assumption, not a promise. Equity funds are usually modelled at 10–12%; see what rate to assume.
Leave at 0 for a literal ₹1 crore. Set 6% to target ₹1 crore of today’s purchasing power instead.
What it takes
What you investWhat compounding adds
| Year | Monthly | Invested so far | Returns | Value at year end |
|---|---|---|---|---|
| 1 | ₹10,009 | ₹1,20,102 | ₹8,100 | ₹1,28,203 |
| 2 | ₹10,009 | ₹2,40,205 | ₹32,460 | ₹2,72,664 |
| 3 | ₹10,009 | ₹3,60,307 | ₹75,140 | ₹4,35,448 |
| 4 | ₹10,009 | ₹4,80,409 | ₹1,38,466 | ₹6,18,876 |
| 5 | ₹10,009 | ₹6,00,512 | ₹2,25,055 | ₹8,25,567 |
| 6 | ₹10,009 | ₹7,20,614 | ₹3,37,858 | ₹10,58,472 |
| 7 | ₹10,009 | ₹8,40,716 | ₹4,80,199 | ₹13,20,915 |
| 8 | ₹10,009 | ₹9,60,819 | ₹6,55,824 | ₹16,16,643 |
| 9 | ₹10,009 | ₹10,80,921 | ₹8,68,955 | ₹19,49,877 |
| 10 | ₹10,009 | ₹12,01,023 | ₹11,24,349 | ₹23,25,372 |
| 11 | ₹10,009 | ₹13,21,126 | ₹14,27,364 | ₹27,48,490 |
| 12 | ₹10,009 | ₹14,41,228 | ₹17,84,042 | ₹32,25,270 |
| 13 | ₹10,009 | ₹15,61,330 | ₹22,01,187 | ₹37,62,517 |
| 14 | ₹10,009 | ₹16,81,433 | ₹26,86,469 | ₹43,67,901 |
| 15 | ₹10,009 | ₹18,01,535 | ₹32,48,528 | ₹50,50,063 |
| 16 | ₹10,009 | ₹19,21,637 | ₹38,97,103 | ₹58,18,740 |
| 17 | ₹10,009 | ₹20,41,740 | ₹46,43,165 | ₹66,84,904 |
| 18 | ₹10,009 | ₹21,61,842 | ₹54,99,078 | ₹76,60,920 |
| 19 | ₹10,009 | ₹22,81,944 | ₹64,78,775 | ₹87,60,719 |
| 20 | ₹10,009 | ₹24,02,047 | ₹75,97,953 | ₹1,00,00,000 |
Time does most of the work
The table below is the whole argument of this page. Same ₹1 crore, same 12% assumption, only the runway changes.
| Years | Monthly SIP | Total you invest | Compounding’s share |
|---|---|---|---|
| 10 | ₹43,041 | ₹51,64,865 | 48% |
| 15 | ₹19,819 | ₹35,67,352 | 64% |
| 20 | ₹10,009 | ₹24,02,047 | 76% |
| 25 | ₹5,270 | ₹15,80,915 | 84% |
| 30 | ₹2,833 | ₹10,19,855 | 90% |
Read the last column. Over 10 years you supply most of the crore yourself and compounding contributes 48%. Over 30 years you supply barely a tenth of it. Nothing changed except how long the money was left alone.
Which is why "I'll start once I'm earning more" is such an expensive sentence. The cost of waiting calculator prices it.
What ₹1 crore will actually be worth
₹1 crore is a nice round cultural target, and it is a moving one. At 6% inflation, ₹1 crore twenty years from now buys roughly ₹31.18 L of today's goods. In thirty years, about ₹17.41 L.
That does not make the goal pointless — it makes the label unreliable. If what you actually want is today's ₹1 crore of comfort, set the inflation field to 6% and watch the required instalment jump. That larger number is the honest one.
Before you rely on this
An estimate, not a forecast
This is arithmetic applied to assumptions you chose. Mutual funds carry market risk, returns are not guaranteed, and past performance does not indicate future results. Nothing here is personalised advice — for decisions of any size, speak to a SEBI-registered investment adviser.
Questions people actually ask
Can I become a crorepati with a ₹5,000 SIP?
Yes, given enough time. ₹5,000 a month at 12% passes ₹1 crore somewhere around year 26 — so a 25-year-old starting today gets there comfortably before 60.
Raise the instalment as your income grows and it arrives considerably sooner. The step-up calculator shows how much sooner.
Is 12% a safe assumption for a 20-year goal?
It is a common one for Indian equity funds over long periods, but "safe" is the wrong word — no equity return is safe. Test the plan at 10% and at 9%. If ₹1 crore only appears at 14%, you do not have a plan.
Where should the SIP actually go?
This site does not recommend funds, and would not be a good place to get that from — we have no view on your tax position, other assets, or how you behave in a crash.
What the arithmetic does say is that a 20-year goal has the horizon to absorb equity volatility, while a 3-year goal does not. Take fund selection to a SEBI-registered investment adviser.