Crorepati Calculator
Estimate the monthly SIP that could help you target ₹1 crore or another corpus by your chosen year.
Illustrative projection for a ₹1 crore target over 15 years at an assumed 12% annual return.
Method: nominal annual return compounded monthly; SIP contributions are assumed at the start of each month. Existing savings compound monthly. Taxes, fees, inflation and return volatility are not included.
| Year | Total invested* | Projected corpus |
|---|---|---|
| 1 | ₹2,37,828 | ₹2,53,863 |
*Total invested includes the starting savings plus monthly contributions. The year-by-year schedule is illustrative and may show small rounding differences.
Building a ₹1 crore portfolio can feel like a distant ambition, especially when you are starting with a modest monthly amount. A crorepati calculator helps turn that broad ambition into a measurable plan by estimating the monthly investment required for a target amount and time horizon.
Use the crorepati calculator above to enter your target, existing savings, years available and an assumed annual return. The result is a projection, not a promise: investment values can fluctuate, and actual returns may be higher or lower than the rate you enter.
What does a Crorepati Calculator tell you?
A crorepati calculator works backwards from your target. Instead of asking what a fixed SIP might grow into, it estimates the SIP that could be required to reach a chosen corpus by a chosen date. The default target is ₹1 crore, but you can change it to ₹50 lakh, ₹2 crore or another amount that fits your plan.
The crorepati calculator estimate depends on four main inputs: the target corpus, any savings already set aside for the goal, the number of years available and the assumed return. Existing savings are projected forward first; the remaining target is then divided across the growth factor for monthly contributions. This makes the output more useful than a one-size-fits-all SIP number.
How to use the calculator
- Set your target. Keep ₹1 crore for a first-crore plan, or enter a different financial goal.
- Add current savings. Include only money you intend to use for this goal. Do not count the same savings twice.
- Choose your timeframe. Enter the number of years you have before you want to reach the target.
- Enter an assumed annual return. Test more than one rate rather than treating a single estimate as certain.
- Review the monthly SIP. Compare it with your household budget, then test a longer horizon or a different contribution amount if needed.
The crorepati calculator updates as you change inputs. You can copy the estimate or share it on WhatsApp. Calculations run in your browser.
How is the required SIP calculated?
The crorepati calculator uses a standard future-value model. It assumes a nominal annual return compounded monthly and contributions made at the beginning of each month. This timing convention gives each monthly instalment one additional month to grow compared with an end-of-month contribution assumption.
First, the future value of existing savings is estimated as:
Existing savings future value = Current savings × (1 + i)n
Here, i is the monthly rate (annual rate divided by 12 and then by 100), and n is the total number of monthly periods. The remaining amount is the target minus the projected value of existing savings.
For monthly contributions made at the start of each month, the growth factor is:
SIP factor = [((1 + i)n − 1) ÷ i] × (1 + i)
The required monthly SIP is the remaining target divided by this factor. When the assumed return is 0%, the calculator uses the zero-rate case: remaining target divided by the number of monthly contributions. If projected existing savings already meet the target, the model shows that no additional monthly SIP is mathematically required for that selected date.
Worked example: planning for ₹1 crore
Consider an illustrative plan with a ₹1 crore target, no existing savings, 15 years available and a 12% nominal annual return assumption. The crorepati calculator estimates a monthly SIP of approximately ₹19,819. Over 180 months, the planned monthly contributions total about ₹35.67 lakh; the rest of the projected corpus comes from compounding in the model.
The crorepati calculator provides an illustration, not a forecast. A 12% return is an editable assumption, not a guarantee. Lower returns, missed instalments, fees, taxes and inflation can change the result.
Why your timeframe matters
Time changes the balance between contributions and projected growth. A longer period gives each contribution more time to compound and may lower the required SIP. A shorter period leaves fewer instalments, which can raise the monthly requirement.
Use the crorepati calculator to compare time horizons, then test a lower return while holding the other inputs steady. This sensitivity check is more useful than choosing only the scenario with the smallest SIP. Your plan should remain manageable during difficult markets.
If the contribution feels too high, consider a sustainable starting amount and possible future increases. The step-up SIP calculator can model annual increases, but do not assume income or returns will always rise.
Important limitations to understand
- Returns are uneven. The model uses one constant rate, while real investments fluctuate and the sequence of returns matters.
- Inflation is excluded. A future ₹1 crore may buy less than it does today. Inflate a goal based on today’s costs before choosing your target.
- Costs and taxes are excluded. Expenses and taxes can reduce the amount ultimately available.
- Cash flow matters. A required SIP is not automatically affordable. Keep emergency money and near-term expenses separate.
- Asset allocation matters. A return assumption does not describe portfolio risk. Consider your time horizon and ability to handle losses, not only the target.
For investor education, read SEBI’s investor education materials and AMFI’s mutual fund risk information before making investment decisions.
Related calculators and guides
- SIP Calculator — estimate the future value of a regular monthly investment.
- Goal-Based SIP Calculator — work out the monthly contribution for a financial target.
- Step-up SIP Calculator — model an annual increase in your SIP.
- SIP vs Lumpsum Calculator — compare two contribution approaches.
- What is SIP in mutual funds? — understand how recurring investments work.
- Stock Charcha Knowledge Hub — explore more investing explainers and tools.
Frequently asked questions
How much SIP is needed to reach ₹1 crore?
The amount depends on your timeframe, starting savings and assumed return. Use the crorepati calculator with your own inputs instead of relying on a generic SIP figure.
Can I use the calculator for a target other than ₹1 crore?
Yes. Change the target field to ₹25 lakh, ₹50 lakh, ₹2 crore or another amount. The calculation works for any positive target within the input limit.
Does the calculator guarantee that I will become a crorepati?
No. The crorepati calculator uses a constant return assumption, but market returns vary and your actual corpus may be lower or higher.
Does it include inflation and taxes?
No. The displayed result is a nominal, pre-tax estimate and does not adjust the goal for inflation, fund expenses or tax. Consider those factors separately when setting your target.
What if I already have savings for the goal?
Enter them in the current savings field. The crorepati calculator projects their future value and estimates the SIP for the remaining target.
Educational disclaimer: This crorepati calculator is for general information and illustration only, not personalised financial advice. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Consider consulting a SEBI-registered investment adviser for advice suited to your circumstances.
Written by Hasanraza Ansari. Founder of Stock Charcha. Stock market enthusiast, actively investing since November 2022.
Last updated: 18 October 2026. The return is user-entered; no fixed scheme rate is embedded in this calculator.