Suresh Kumar Sharma
AMFI-registered mutual fund distributor · ARN-125135 · EUIN E201078
When do I get to ₹1 crore?
Prepared 17 October 2026
First crore
When do I get to ₹1 crore?
Set a target and find the monthly SIP that reaches it, or the years it takes at the amount you can afford today.
To reach ₹1.00 Cr in 15 years
₹19,819/mo
I want to work out
- You would invest
- ₹35.7 L
- Compounding adds
- ₹64.3 L
Stretch the horizon by five years and the instalment drops to ₹10,009. Time is the cheapest input you have.
What this assumes
- Instalment paid
- Start of each month
- Compounding
- Monthly
- Instalment
- Flat, with no annual step-up
- Target
- In today's rupees unless you inflate it yourself
What it does not account for
- Inflation on the target itself. A crore in twenty years buys roughly what ₹31 lakh buys today at 6% inflation.
- Tax on redemption, which reduces what actually reaches your bank account.
- Any step-up in the instalment. Raising it each year as your income rises shortens the horizon.
- Money you already hold. Subtract its future value from the target before reading the required SIP.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Suresh Kumar Sharma is an AMFI-registered mutual fund distributor (ARN-125135), not a SEBI-registered investment adviser. He earns commission from asset management companies on the schemes he distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance and NPS are offered under separate registrations from the mutual fund distribution business.
+91 73048 67155 · s.k.sharma9057@gmail.com · sureshkumarsharma.com
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.