Decision tool
SIP needed for ₹1 crore in 20 years — illustrative
Longer-horizon reverse SIP for a ₹1 crore target—shows how extra years reduce the required monthly contribution under the same return assumption.
Illustrative result
Assumptions: target ₹1,00,00,000 · 12.00% p.a. · 20 years. Not a guarantee.
Remaining target
₹1,00,00,000
Required monthly SIP
₹10,009
Total you'd invest
₹24,02,160
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹16,865 / month |
| 10.00% p.a. | ₹13,060 / month |
| 12.00% p.a. | ₹10,009 / month |
How to read this
Extra years lower the required SIP, but they also expose the plan to more inflation and life changes. Pair the number with an inflation-aware goal if the ₹1 crore is meant to buy something priced in today’s rupees.
Contrast with the 15-year ₹1 crore scenario to see the tenure effect at the same assumed return.
- 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 the required SIP advice?
- No. It is reverse math under your assumed return. Change the rate downward to see a more conservative contribution need.
- What if I already have savings?
- Subtract them from the target (Goal Planner supports a current corpus). Existing money reduces the remaining SIP gap.
Related guides
Related scenarios
Scenario path /retirement/1-crore-in-20-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.