₹1 Crore Builder
See how a step-up SIP plus lumpsum grows year by year — and when you cross ₹1 crore.
Build ₹1 Crore
Step-up SIP + lumpsum until your target age
₹10,000
₹500₹1,00,000
50 years
31 years70 years
12%
6%15%
₹1.00 L
₹0₹50.00 L
10%
0%20%
Corpus at Age 50
₹1,94,20,885
Years of investing20 yrs
Total Invested₹69,73,000
Wealth Gained₹1,24,47,885
₹1 Cr milestoneAge 46
64%of final corpus
✓ You cross ₹1 Crore by age 46
Year-wise Growth
31
34
37
40
43
46
49
50
Invested Total Value
| Age | Begin Value | Monthly SIP | End Value |
|---|---|---|---|
| 31 | ₹1,00,000 | ₹10,000 | ₹2,38,465 |
| 32 | ₹2,38,465 | ₹11,000 | ₹4,06,192 |
| 33 | ₹4,06,192 | ₹12,100 | ₹6,07,958 |
| 34 | ₹6,07,958 | ₹13,310 | ₹8,49,238 |
| 35 | ₹8,49,238 | ₹14,641 | ₹11,36,304 |
| 36 | ₹11,36,304 | ₹16,105 | ₹14,76,333 |
| 37 | ₹14,76,333 | ₹17,716 | ₹18,77,534 |
| 38 | ₹18,77,534 | ₹19,487 | ₹23,49,282 |
| 39 | ₹23,49,282 | ₹21,436 | ₹29,02,285 |
| 40 | ₹29,02,285 | ₹23,579 | ₹35,48,757 |
| 41 | ₹35,48,757 | ₹25,937 | ₹43,02,625 |
| 42 | ₹43,02,625 | ₹28,531 | ₹51,79,760 |
| 43 | ₹51,79,760 | ₹31,384 | ₹61,98,232 |
| 44 | ₹61,98,232 | ₹34,523 | ₹73,78,611 |
| 45 | ₹73,78,611 | ₹37,975 | ₹87,44,295 |
| 46 | ₹87,44,295 | ₹41,772 | ₹1,03,21,886 |
| 47 | ₹1,03,21,886 | ₹45,950 | ₹1,21,41,616 |
| 48 | ₹1,21,41,616 | ₹50,545 | ₹1,42,37,823 |
| 49 | ₹1,42,37,823 | ₹55,599 | ₹1,66,49,497 |
| 50 | ₹1,66,49,497 | ₹61,159 | ₹1,94,20,885 |
About ₹1 Crore Builder
Project a path to ₹1 crore with SIP, step-up and optional lumpsum by a target age.
How it works
Enter current age, target age, expected return, starting SIP and step-up %. See corpus trajectory and gap.
Practical tips
Increase SIP when income rises; keep equity allocation aligned with horizon.
Important to know
Illustrative compounding only — markets do not move in a straight line.
Frequently Asked Questions
- How does the ₹1 Crore Builder work?
- It projects step-up SIP plus optional lumpsum until you reach a ₹1 crore target by a chosen age or year.
- Is ₹1 crore still a useful target?
- It is a popular milestone, but adjust for inflation and your city lifestyle. Many households need more for retirement.
- What return assumption is realistic?
- Long-term equity SIP assumptions of ~10–12% are common in illustrations; actual returns will differ year to year.
- Why use step-up SIP?
- Raising SIP yearly with salary hikes can cut the starting monthly amount needed to hit the same corpus.
- Should I stop other goals for this?
- Balance emergency fund, insurance, and near-term goals first. Wealth milestones work best on surplus cash flow.