SIP Calculator: How to Build ₹1 Crore with SIP
By Dheeraj Yadav • July 4, 2026 • 1 min read
What is SIP?
SIP (Systematic Investment Plan) is a disciplined investing method where you invest a fixed amount every month in a mutual fund. The magic of SIP lies in two factors: rupee cost averaging (you buy more units when prices are low, fewer when high) and compounding (returns reinvested generate their own returns).
The Power of Compounding: ₹1 Crore Example
To accumulate ₹1 Crore in 15 years at 12% annual return: Monthly SIP needed = ₹20,017. You invest ₹36 lakh total; the remaining ₹64 lakh is pure market gains. Starting earlier is exponentially more powerful — starting at 25 vs 35 means you need less than half the monthly contribution.
How to Use the SIP Calculator
Open our SIP Calculator. Enter your monthly investment amount, expected annual return (use 10-12% as a conservative estimate for equity mutual funds), and investment horizon in years. The calculator shows total invested, estimated gains, and total corpus.
Which Mutual Funds for SIP?
For long-term wealth creation (10+ years): Large-cap index funds (Nifty 50 index), Flexi-cap funds. For medium term (5-7 years): Balanced advantage funds. Always check the fund's expense ratio and 5-year track record before investing.
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