Decision tool
SIP needed for ₹1 crore in 15 years — illustrative
Reverse-solve the monthly SIP required to reach ₹1 crore in 15 years at an assumed return—then stress-test lower returns in the live Goal Planner.
Illustrative result
Assumptions: target ₹1,00,00,000 · 12.00% p.a. · 15 years. Not a guarantee.
Remaining target
₹1,00,00,000
Required monthly SIP
₹19,819
Total you'd invest
₹35,67,420
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹28,707 / month |
| 10.00% p.a. | ₹23,928 / month |
| 12.00% p.a. | ₹19,819 / month |
How to read this
The required SIP is only as good as the return assumption. Re-run at a lower rate to see how much buffer you need in contributions. ₹1 crore is a round target—not automatically a full retirement corpus.
Open the Goal Planner to subtract money already saved, or try the 20-year ₹1 crore scenario if your horizon is longer.
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- Is 12% a guaranteed return?
- No. It is an illustration only. Equity-heavy portfolios can deliver more or less over any 15-year window. Always stress-test a lower rate.
- Should I use Reverse SIP or Goal Planner?
- Both use the same core idea. Goal Planner is better when you already have savings to subtract from the target.
Related guides
Related scenarios
Scenario path /retirement/1-crore-in-15-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.