# Crorepati Calculator: SIP Needed to Make INR 1 Crore

> Crorepati calculator: find the monthly SIP to reach INR 1 crore (or any target) by the age you choose, with a step-up option and the target in today's money.

Source: https://trykosh.com/tools/crorepati-calculator

Free tool - Investing

# How to become a crorepati with SIP

Find the monthly SIP that could take you to INR 1 crore by the age you choose, and what that crore will really be worth by then.

Rules checked 25 October 2026Free - no sign-upRuns in your browser

Monthly SIP to reach your target

INR 10,009

INR 1 crore by age 50, in 20 years

Or start at (10% step-up)**INR 5,028**

Total invested (flat SIP)**INR 24,02,160**

Target in today's money**INR 31.18 lakh**

SIP needed for different timelines

Years

Flat SIP

Starting SIP with 10% step-up

10

INR 43,041

INR 29,636

15

INR 19,819

INR 11,516

20 (yours)

INR 10,009

INR 5,028

25

INR 5,270

INR 2,339

30

INR 2,833

INR 1,132

INR 1 crore in 20 years buys what about INR 31.18 lakh buys today at 6% inflation. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption.

## Upload your statement and Kosh does this for you.

Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal.

[Start free](/signup?via=tool-crorepati-calculator)

## How the crorepati calculator works

Enter the target (INR 1 crore by default), your age now and the age you want to reach it by. The calculator grows anything you've already invested to that age at the assumed return, and works out the monthly SIP needed to cover the rest.

It shows two routes: a flat SIP that stays the same every month, and a step-up SIP that starts lower and rises by your chosen percentage each year. The step-up route is often more realistic because it starts with what you can afford now.

The table compares the SIP needed over 10, 15, 20, 25 and 30 years. It shows the single biggest lever: every extra five years cuts the required SIP roughly in half at a 12% assumed return.

Finally, it puts the target in today's money. At 6% inflation, INR 1 crore in 20 years buys about what INR 31 lakh buys today. Becoming a crorepati is a milestone, not a finish line.

SIP = (Target − existing x (1 + i)ⁿ) / {\[((1 + i)ⁿ − 1) / i\] x (1 + i)}

i

monthly rate

n

months to the target age

## Worked example: Aditya wants INR 1 crore by 45

Aditya, 25, a designer in Mumbai, has INR 1.5 lakh invested and wants INR 1 crore by 45. At an assumed 12%, he needs a SIP of INR 8,374 a month, or INR 4,207 to start if he raises it 10% every year. At 6% inflation, that INR 1 crore will buy what about INR 31.18 lakh buys today.

Monthly SIP to reach your target

INR 8,374

INR 1 crore by age 45, in 20 years

Or start at (10% step-up)**INR 4,207**

Total invested (flat SIP)**INR 20,09,760**

Target in today's money**INR 31.18 lakh**

INR 1 crore in 20 years buys what about INR 31.18 lakh buys today at 6% inflation. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption.

[Load this example into the calculator ->](?age=25&by=45&existing=150000#calculator)

## Good to know

-   Start date matters more than amount: at 12% assumed, a 25-year-old needs about half the SIP of a 30-year-old for the same crore by 50.
-   A crore is a round number, not a plan. For retirement, work out the corpus your expenses need with the retirement calculator.
-   Long-term gains on equity funds above INR 1.25 lakh a year are taxed at 12.5% when you sell, so your in-hand crore will be a little less.
-   Mutual fund investments are subject to market risks. Plan with a cautious return and treat anything extra as a bonus.

## Frequently asked questions

How much SIP is needed to make INR 1 crore?

At an assumed 12% a year: about INR 43,000 a month for 10 years, INR 20,000 for 15 years, INR 10,000 for 20 years and INR 5,300 for 25 years. Returns aren't guaranteed, so a lower assumed rate means a higher SIP.

Can I become a crorepati with a INR 5,000 SIP?

At an assumed 12% a year, a INR 5,000 monthly SIP takes about 26 years to reach INR 1 crore. With a 10% yearly step-up, it takes about 21 years.

Is INR 1 crore enough to retire?

It depends on your expenses and when you retire. In 20 years, INR 1 crore will be worth roughly INR 31 lakh in today's money at 6% inflation, which supports a modest lifestyle for a limited time. Calculate your own retirement number instead of relying on a round figure.

What return should I assume for a crorepati SIP?

Equity funds are often illustrated at 10% to 12% over long periods, but nothing is guaranteed. Try 10% to see a more cautious plan and adjust the SIP if returns turn out better.

## Sources and assumptions

-   [SEBI investor education](https://investor.sebi.gov.in/)

Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.