Decision tool
SIP for ₹1 crore in 15 years if you already have ₹10 lakh
Goal scenario that subtracts ₹10 lakh already invested, then reverse-solves the SIP for the remaining gap.
Illustrative result
Assumptions: target ₹1,00,00,000 · already saved ₹10,00,000 · 12.00% p.a. · 15 years. Not a guarantee.
Remaining target
₹90,00,000
Required monthly SIP
₹17,837
Total you'd invest
₹32,10,660
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹25,836 / month |
| 10.00% p.a. | ₹21,535 / month |
| 12.00% p.a. | ₹17,837 / month |
How to read this
Existing savings reduce the SIP needed—but only if those savings stay invested toward the same goal. Revisit when you add lump sums or change the target date.
Replace ₹10 lakh with your actual corpus in the Goal Planner URL params or sliders.
- 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-with-10-lakh-saved · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.