How much monthly SIP do you need to reach ₹1 crore in 10 years?

A ₹1 crore corpus is a milestone many salaried earners aim for — enough for a down payment on a metro home, a child’s full higher-education fund, or 15-20 years of retirement income if invested conservatively. The reverse-SIP question matters because most people start with a target and need to work backwards to a monthly commitment.

At a 12 percent expected return (the long-run average of large-cap equity funds in India), reaching ₹1 crore in 10 years needs about ₹43,500 per month through a disciplined SIP. That’s a stretch on a ₹10-12 LPA salary, which is why people often extend the timeline to 15 years or step up their SIP each year as income grows.

Three things change this number sharply: expected return assumption (10% vs 12% vs 14% gives very different SIPs), time horizon (every extra year shrinks the monthly outlay), and tax drag at withdrawal — long-term capital gains on equity above ₹1.25 lakh per year are taxed at 12.5%, which means your actual usable corpus is slightly below the headline number. The calculator below lets you flex all three.