How much SIP for ₹1 crore by age 45, starting at 30?
You have 15 years. Here is the monthly investment that gets you to ₹1 crore, worked out at three return assumptions, with and without a yearly step-up.
Start with this every month, raise it 10% each year (at 12%)
or ₹19,819 a month if you never increase it
- Total you invest (with step-up)
- ₹43,90,562
- Growth from the market
- ₹56,09,438
- ₹1 crore in today's rupees
- ₹41,72,651
- Monthly SIP in the final year
- ₹43,731
| Monthly SIP needed | At 8% return | At 10% return | At 12% return |
|---|---|---|---|
| Same amount every month | ₹28,707 | ₹23,928 | ₹19,819 |
| Starting amount, raised 10% a year | ₹15,586 | ₹13,445 | ₹11,516 |
Reading this honestly
A 12% yearly return is a common long-run assumption for a diversified equity fund, but it is not guaranteed, and real returns arrive unevenly. The 8% column is closer to what a balanced or debt-heavy portfolio might earn. If you can afford the 10% column, you have built in a margin of safety.
Inflation matters as much as returns. At 6% a year, ₹1 crore at age 45 has the buying power of about ₹41.73 lakh today. To have ₹1 crore in today's money, you would need about ₹2.4 crore by then.
Want to try your own numbers? The SIP calculator lets you change every assumption.
Questions people ask
How much SIP do I need for ₹1 crore by 45 if I start at 30?
About ₹19,819 a month for 15 years at an assumed 12% return, or ₹11,516 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹23,928 flat or ₹13,445 with a step-up.
Will ₹1 crore be enough at 45?
It depends on your expenses. At 6% inflation, ₹1 crore in 15 years buys roughly what ₹41.73 lakh buys today. Use the FIRE calculator to work out the corpus your own spending needs.
What if I start five years later?
Starting at 35 instead of 30 gives you 10 years, and the starting SIP with a 10% step-up at 12% rises to ₹29,636 a month, about 2.6 times as much.
Related goals
₹1 crore by 50, ₹1 crore by 55, ₹1 crore by 60, ₹2 crore by 45, ₹5 crore by 45
Assumes monthly investments at the start of each month, compounded monthly, before tax and fund expenses. For education only, not investment advice.