Free · No jargon

Your first ₹1 crore, mapped out.

Tell us what you can invest each month. See how long it takes, what to put it in, and what to do next.

  1. Your numbers
  2. Your style
  3. Your plan
years
Raise your SIP every year?
Yearly return to assume
An illustration, not a promise. Lower is safer to plan with.
Your money plus growthWhat you put in₹1 crore

Illustration only. Real returns change every year and can be negative. Figures are before tax.

How much SIP does ₹1 crore take?

Monthly SIP for ₹1,00,00,000 at an illustrative 12% a year. Time does most of the work.

Time you give itSame SIP every monthStart here, raise 10% a year
10 years₹44,700₹30,600
15 years₹21,100₹12,100
20 years₹10,900₹5,400
25 years₹5,900₹2,600
30 years₹3,300₹1,300

Rounded up to the next ₹100. Illustration only. See the full table at 8%, 10% and 12%.

The whole idea in three lines

1

Pick a date

Choose the year you want your first crore. The date sets the monthly amount.

2

Automate it

Set a SIP that leaves your account right after payday. You never have to remember.

3

Raise it yearly

Bump the amount whenever your pay goes up. It is the easiest big win in the plan.

Guides for your first crore

Short, plain reads with real numbers.

How to build your first ₹1 crore: a simple step by step plan

A plain plan for your first ₹1 crore: pick a date, find your monthly SIP, automate it and raise it every year. With real numbers.

7 min read →

SIP for ₹1 crore: how much monthly SIP do you need?

Monthly SIP needed for ₹1 crore over 5 to 30 years, at 8%, 10% and 12% returns, with and without a yearly step-up.

6 min read →

How to become a crorepati in 10 years: the real numbers

What a 10 year crorepati plan really needs: the monthly SIP, who it suits, and how time, a step-up or a lump sum make it easier.

5 min read →

Step up SIP for ₹1 crore: start small, raise it every year

How a step up SIP gets you to ₹1 crore with a lower starting amount. Flat vs 10% yearly raise, with the numbers.

5 min read →

First ₹1 crore by age 40, 45 or 50: what you need to save

Monthly SIP needed to reach ₹1 crore by 40, 45, 50, 55 or 60, depending on the age you start. A simple table.

5 min read →

₹10,000 SIP for 10, 15 and 20 years: what you get

What a ₹10,000 monthly SIP grows to over 10, 15 and 20 years at 8%, 10% and 12% returns, plus other SIP amounts.

4 min read →

All guides →

Quick answers

How long does it take to build ₹1 crore?

It depends on your monthly SIP and the return. At an illustrative 12% a year, ₹15,000 a month takes about 17 years 7 months and ₹25,000 a month takes about 13 years 10 months. Raising your SIP 10% every year shortens it. Put your own numbers in the planner above.

How much SIP do I need for ₹1 crore in 10 years?

About ₹44,700 a month at an illustrative 12% a year, or ₹30,600 to start if you raise it 10% every year. Give it 15 years and it drops to about ₹21,100.

What is a SIP?

A SIP (systematic investment plan) is a fixed amount that leaves your bank account every month and goes into a mutual fund. You choose the amount and the date, and it runs on its own.

Is 12% a year guaranteed?

No. Nothing about market returns is guaranteed, and some years are negative. 12% is an illustration so you can see how the maths works. The planner also lets you try 10% and 8%, and it is wise to plan with the lower ones.

Is this investment advice?

No. This is an educational website. The planner and the guides show how numbers work. They are not a recommendation to buy any fund. If you want help with your own situation, you can talk to us using the form on this page.

Does it cost anything?

The planner and the guides are free. If you ask us for help with investing, we explain how we are paid before you start. You can read it on the disclosures page.

What happens when I send my number?

We use your name and number only to reply about your request. We do not sell them. Details are in the privacy notice on the disclosures page.

Talk to us

We are Nandi Nivesh Private Limited, an AMFI-registered Mutual Fund Distributor (ARN-223451), based in Pune. The planner and the guides stay free. If you want a person to help, this is how we can:

  • Check your plan and make it fit your pay
  • Suggest a fund mix for your profile and goal date
  • Set up the SIP and the yearly raise for you
  • Check in every year and keep you on track
  • Answer questions in plain words

We earn a commission from fund houses on the funds you invest in through us. You do not pay us a separate fee. How we are paid.