Crorepati Calculator

₹1 Cr
₹1 Cr ₹10 Cr
12%
1% 30%
25 years
1 Year 30 Years
Years to Reach Goal
25
Total Invested
₹0
Monthly Investment
₹0
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How does the Crorepati Calculator work?

The calculator helps investors estimate the monthly SIP (Systematic Investment Plan) investments required to become Crorepati in a specific time period with a given rate of return. It works based on these inputs: amount one wants to earn, investment period, and expected rate of return.

The calculator uses this formula: 

          I = r * A / (((1 + r) ^ t - 1) * (1 + r))
          Where:
          • I = Required Monthly Investment
          • A = Desired Amount
          • t = Investment Period (in months)
          • r = Rate of Return (monthly)

This financial calculator provides an estimate and should be used for informational purposes only. Investors should consult with financial advisors before making investment decisions.

Systematic Investment Plan (SIP)

SIP refers to a strategy offered by mutual funds that allows investors to invest a fixed amount at regular intervals (monthly or quarterly). It brings discipline to investing, regardless of market conditions, and enables wealth accumulation via the power of compounding.

SIPs are favored in India for their flexibility, convenience, and ability to generate returns even from smaller investments.

How SIP Helps You Reach Your Financial Goals

Imagine investing ₹5,000 monthly in a mutual fund via SIP:

  • Month 1: NAV ₹20 → 250 units
  • Month 2: NAV ₹22 → 227 units
  • Month 3: NAV ₹18 → 278 units

This strategy, known as rupee cost averaging, helps manage volatility and balances out investments over time.

Power of Compounding

Compounding allows returns to generate more returns over time. For example:

  • ₹5,000/month @12% annual return
  • 1 year: ₹61,940
  • 5 years: ₹4,67,446
  • 10 years: ₹12,69,812

The longer you stay invested, the more wealth you accumulate.

Shield Against Market Fluctuations

SIPs help you invest consistently through all market phases:

  • Bull Market: Buy fewer units at higher prices
  • Bear Market: Buy more units at lower prices

Over time, SIP smooths out market fluctuations, offering a steady path to wealth creation.

Automated Investments

SIP automates your investment process:

  • Regular monthly investments
  • Auto deduction from your linked bank account

For example, ₹5,000 gets auto-deducted and invested each month via AutoPay or E-mandate—no manual intervention required.

Top-up and Step-up SIPs

These features help you increase your SIP contributions over time:

Step-up SIP: Increase by a percentage annually (e.g., 10%)
Year 1: ₹5,000 → Year 2: ₹5,500 → Year 3: ₹6,050

Top-up SIP: Increase by a fixed amount annually (e.g., ₹1,000)
Year 1: ₹5,000 → Year 2: ₹6,000 → Year 3: ₹7,000

These variations combat inflation and allow your investments to grow with your income.

faqs

Frequently Asked Questions

Get clarity on how SIPs work, what to expect, and how we simplify your investment journey.

A lumpsum investment involves investing a large sum of money all at once into a mutual fund or other investment instruments, rather than making regular small contributions over time. This method allows immediate capital deployment and the potential for faster growth.

How does a lumpsum investment work?

In a lumpsum investment, you invest a significant amount of money upfront. The investment grows over time based on the returns from the chosen investment option, and the compounding effect makes it grow more quickly compared to regular, smaller investments.

  • Immediate capital deployment.
  • Faster growth potential through compounding.
  • Long-term wealth creation for retirement or other financial goals.
  • Opportunity for diversification across asset classes.
  • Simple to manage with fewer transactions to track.
  • Flexible and personalized to your financial goals.

  • If you have a large sum of money available from sources like bonuses, inheritances, or windfalls.
  • If you are investing for long-term financial goals, such as retirement or funding a child’s education.
  • If you believe that the market is favorable and offers potential for good returns in the near term.
  • If you have a higher risk tolerance and can handle market volatility.

The future value of your lumpsum investment can be calculated using the following formula: Future Value = Total Investment × (1 + Rate of Return)Time Period. This will give you an estimate of how much your initial investment will grow over time based on your expected rate of return.

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