₹1 Crore Crorepati SIP Goal Planner

Find out how much monthly SIP you need to become a Crorepati with BharatUtility's ₹1 Crore SIP Goal Planner. Simulates 12% to 15% equity returns across multiple time horizons.

Interactive ₹1 Crore Crorepati SIP Goal Planner
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Formula & Calculation Methodology

Reverse annuity formula solving for monthly installment P given target future value FV, monthly rate i, and periods n.

P = rac{	ext{FV}}{left[rac{(1 + i)^n - 1}{i}
ight] 	imes (1 + i)}

Step-by-Step Worked Example

Target Goal: ₹1,00,00,000 (1 Crore) | Expected Return: 12% p.a.

  1. In 5 Years: Monthly SIP of ₹1,22,444 (Invested: ₹73.5L | Gain: ₹26.5L)
  2. In 10 Years: Monthly SIP of ₹43,041 (Invested: ₹51.6L | Gain: ₹48.4L)
  3. In 15 Years: Monthly SIP of ₹19,819 (Invested: ₹35.7L | Gain: ₹64.3L)
  4. In 20 Years: Monthly SIP of ₹10,009 (Invested: ₹24.0L | Gain: ₹76.0L)
Result: Starting early slashes required monthly investment from ₹43k/mo (10 yrs) down to just ₹10k/mo (20 yrs)!

The Power of Compounding in Reaching ₹1 Crore

Starting a ₹10,000/month SIP at age 25 creates ₹1 Crore by age 45 at 12% CAGR, where your actual investment is only ₹24 Lakhs and wealth gain is ₹76 Lakhs.

Delaying by just 5 years doubles the required monthly installment.

Frequently Asked Questions

What expected CAGR is realistic for Indian mutual funds over 10+ years?

Nifty 50 and Nifty 500 index funds have historically delivered 12% to 14% annualized CAGR over 10+ year rolling periods in India.

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