₹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
Corpus at Age 50
₹1,94,20,885
Year-wise Growth
| 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
₹1 Crore Builder projects a path to a ₹1 crore corpus with monthly SIP, optional lumpsum and annual step-up by a target age. Treat ₹1 crore as a milestone — adjust for inflation and your city lifestyle before treating it as “enough.”
What this calculator does
It compounds a starting lumpsum and a monthly SIP year by year at your assumed effective annual return, optionally raising the SIP each year by a step-up %. It reports final corpus, total invested, and the age when the balance first crosses ₹1 crore if it does.
How to use it
Enter current age, invest-till age, monthly SIP, expected return %, starting lumpsum and step-up %. Read the year-wise table and whether the ₹1 crore milestone is hit. Re-run with a lower return and a higher step-up to see which lever matters more for your horizon.
Formula / methodology
Each year the engine applies Excel-style FV on 12 months: monthly rate comes from the effective annual return via NOMINAL(r,12)/12, then end value = FV(monthlyRate, 12, −SIP, −begin). After each year, SIP is multiplied by (1 + step-up%). That matches EnrichReturns’ crore-builder code — not a closed-form with a changing SIP.
Worked example
Age 30 to 45, SIP ₹25,000, 12% assumed return, ₹2 lakh lumpsum, 10% annual step-up. In this illustration the corpus reaches about ₹2.16 crore by 45, with roughly ₹97 lakh invested, and first crosses ₹1 crore around age 41. Markets will not follow a straight line — use conservative and optimistic cases.
Advantages
Shows how step-up SIPs accelerate milestones without starting at an unaffordable amount. Makes invested-vs-growth visible so you do not confuse contribution with return. Useful as a motivation milestone alongside Goal Planner for dated needs.
Assumptions and limitations
Illustrative compounding only. Ignores taxes, expense ratios and sequence risk. ₹1 crore today is not ₹1 crore of lifestyle in 15 years — pair with the Inflation Calculator. Not investment advice.
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Frequently Asked Questions
- How does the ₹1 Crore Builder work?
- It compounds a lumpsum and monthly SIP year by year at your assumed return, optionally stepping up the SIP annually, and shows when the corpus first crosses ₹1 crore.
- 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. Always run a lower case.
- Why use step-up SIP?
- Raising SIP yearly with salary hikes can cut the starting monthly amount needed to hit the same corpus.
- Does the tool subtract taxes or expense ratios?
- No. Bake a buffer into the assumed return. Methodology matches the on-page Formula section.
- Should I stop other goals for this?
- Balance emergency fund, insurance, and near-term goals first. Wealth milestones work best on surplus cash flow.