Question 1

How much do I need to invest each month to reach ₹1 Cr in 25 years?

Accepted Answer

At a 12% return, you need a fixed ₹5.27K a month for 25 years to reach ₹1 Cr. You'd put in ₹15.81 L of your own money. The rest comes from compounding. A step-up SIP that rises 5.5% each year to match inflation starts lower, at ₹3.51K a month, and grows from there.

Question 2

What is ₹1 Cr actually worth in today's money?

Accepted Answer

Using India's long-term inflation rate of 5.5%, ₹1 Cr in 25 years buys what ₹26.22 L buys today. If you want ₹1 Cr in today's buying power, you'll need to aim higher. Multiply your goal by (1 + 5.5%)^25, which is about 3.81 times, to get the inflation-adjusted target.

Question 3

How does the monthly amount for ₹1 Cr change with more or fewer years?

Accepted Answer

Time is your biggest lever. To reach ₹1 Cr at a 12% return: 15 years needs ₹19.82K a month, 25 years needs ₹5.27K a month, and 35 years needs only ₹1.54K a month. Give compounding more time and it does most of the work, even though you end up investing more in total.

Question 4

Should I use a fixed SIP or a step-up SIP to reach ₹1 Cr?

Accepted Answer

A fixed SIP keeps your monthly amount the same. It's easy to budget, but inflation chips away at how much it's really worth each year. A step-up SIP starts lower (₹3.51K a month versus ₹5.27K for the fixed plan) and rises with inflation, so your real contribution stays steady. Step-up is the better default if your salary keeps pace with inflation, which it usually does over a long career.

Question 5

What is a target savings goal?

Accepted Answer

It's the total savings you need on a future date to pay for a specific goal: retirement, a home, college, or simply living on what ₹1M buys today. The calculator works backwards from your goal and tells you the monthly SIP, step-up plan, or one-time lumpsum you need to get there.

Question 6

What if I can't afford the monthly amount it shows?

Accepted Answer

You have four levers. Give yourself more time (compounding does more of the work), aim for a slightly higher return (for example by holding more equity), step the SIP up by 5 to 10% a year as your salary grows, or accept a smaller goal. The calculator updates instantly as you change any input, so you can find a plan that's actually within reach.

Question 7

Why should my target be adjusted for inflation?

Accepted Answer

If you want to live on what ₹1,000,000 buys today, prices will have risen by the time you get there in 25 years. The calculator first converts your goal into a future amount, then works out how much you need to invest.

Years	Flat SIP / month	Total invested (flat)	Step-up SIP / month (start)	Total invested (step-up)
10 yrs	₹43.04K	₹51.65 L	₹35.22K	₹54.41 L
15 yrs	₹19.82K	₹35.67 L	₹14.9K	₹40.07 L
20 yrs	₹10.01K	₹24.02 L	₹7.03K	₹29.42 L
25 yrs	₹5.27K	₹15.81 L	₹3.51K	₹21.55 L
30 yrs	₹2.83K	₹10.2 L	₹1.81K	₹15.74 L

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