Financial Calculators
Crorepati Calculator
One crore is not a dream; it is a date. Set the SIP and see when yours arrives.
Time to reach ₹1,00,00,000
13 yrs 5 mo
at ₹25,000 per month
- Monthly SIP
- ₹25,000
- Total months
- 161
Assumes a constant return with instalments at the start of each month. Increase the SIP yearly (see the Step-up SIP calculator) and the date arrives meaningfully sooner.
Put a date on the milestone
Every investor has a number in mind, and in India that number is usually one crore. What most never do is convert it into a date. This calculator does exactly that: given a monthly SIP and an expected return, it computes the precise month your target arrives, for one crore or any figure you choose.
The result usually surprises in both directions: modest SIPs reach a crore sooner than people guess over long horizons, and doubling the SIP does not halve the time, because compounding contributes more than contributions do in the later years. The Step-up SIP calculator shows the fastest legal shortcut.
How the calculation works
Months = ln(1 + target x i / (SIP x (1 + i))) / ln(1 + i)\n\ni = monthly rate; instalments at the start of each monthWorked example: a SIP of Rs 25,000 per month at 12% reaches Rs 1,00,00,000 in about 161 months, roughly 13 years 5 months.
Frequently asked questions
How can I reach the target faster?
Three levers: raise the SIP, step it up yearly with your increments, or extend nothing and simply start earlier. The step-up is the most painless of the three.
Is 1 crore enough?
Depends entirely on when and for what: inflation makes a future crore buy less than today's. Pair this with the Retirement calculator to size the real target.
What return should I assume?
10 to 12% is a common long-term planning band for equity-heavy portfolios, never a promise. Try 10% and let outperformance be the bonus.
Does the calculator account for taxes?
No; it projects gross value. Taxes apply on redemption per prevailing rules, which is when planning withdrawals matters.
Set the date. Start the SIP.
A crore with a deadline changes behaviour. We will set up the SIP behind yours today.