Crorepati Calculator
What it takes each month to build your first crore, and what a crore will be worth by then.
Reaching Rs 1 crore at a 12% return needs about Rs 43,000 a month over 10 years, Rs 20,000 over 15 years, or Rs 10,000 over 20 years. At 5% inflation, a crore twenty years out has the purchasing power of about Rs 38 lakh today.
How this is calculated
Year-by-year breakdown
Free crorepati calculator
Rs 1 crore is the number almost every Indian investor sets first. This calculator works backwards from it: pick the years you have, the return you expect, and it tells you the monthly SIP that gets you there, allowing for anything you have already saved.
At 12%, the monthly amount falls off a cliff the longer you give it: about Rs 43,000 a month for 10 years, Rs 20,000 for 15, and Rs 10,000 for 20. The same crore, four times cheaper, for the price of starting a decade earlier. Nothing else in personal finance has that leverage.
What it takes, by time horizon
| Years | Monthly SIP at 12% | Total you invest |
|---|---|---|
| 10 | ~Rs 43,000 | ~Rs 51.6 lakh |
| 15 | ~Rs 19,800 | ~Rs 35.7 lakh |
| 20 | ~Rs 10,000 | ~Rs 24 lakh |
| 25 | ~Rs 5,270 | ~Rs 15.8 lakh |
The uncomfortable part: what a crore will buy
Turn on inflation and the picture sharpens. At 5% inflation, Rs 1 crore in 20 years has the purchasing power of about Rs 38 lakh today. That does not make the goal pointless, but it does mean a crore is a milestone rather than a finish line, and that your real target should be set in today's money and then inflated. That is exactly what the goal calculator does.
This page is the goal calculator preset to Rs 1 crore. To project a specific SIP forward instead, use the SIP calculator; to add an annual raise, use the step-up SIP calculator.
Key facts
| SIP for Rs 1 crore in 10 years at 12% | About Rs 43,000 a month |
|---|---|
| SIP for Rs 1 crore in 20 years at 12% | About Rs 10,000 a month |
| Rs 1 crore in 20 years, at 5% inflation | Worth about Rs 38 lakh in today's money |
| Planning return for Indian equity | 11 to 13% a year |
How to use the Crorepati Calculator
- Leave the target at Rs 1 crore, or change it to whatever number you are chasing.
- Add anything you have already invested towards it.
- Set the number of years you have and the return you expect.
- Read the monthly investment required.
- Turn on inflation to see what that crore will actually be worth in today's money.
Sources
- Securities and Exchange Board of India
- Association of Mutual Funds in India
- Ministry of Statistics and Programme Implementation, Consumer Price Index
Last reviewed and updated: 23 August 2026. Estimates only, not financial or tax advice.
Frequently asked questions
How much SIP do I need to make Rs 1 crore?
At a 12% return: about Rs 43,000 a month for 10 years, Rs 20,000 for 15 years, Rs 10,000 for 20 years and Rs 5,300 for 25 years. Time does far more of the work than the amount does.
How long does it take to become a crorepati with Rs 10,000 a month?
About 20 years at a 12% return, or roughly 18 years at 14% and 23 years at 10%. Adding a 10% annual step-up cuts it to around 15 years.
Will Rs 1 crore be enough in 20 years?
In purchasing power it will feel like about Rs 38 lakh today at 5% inflation. It is a useful milestone but not a retirement plan on its own. Set your real target in today's money and let the goal or retirement calculator inflate it for you.
What return should I assume?
For diversified Indian equity funds, 11 to 13% over long periods is a reasonable planning range. Test the plan at 10% too, so a weak decade does not break it.
Is this crorepati calculator free?
Yes, free with no sign-up or ads.