Crorepati calculator
Answers one narrow question: at the rate you assume and over the years you allow, what would it take each month to reach ₹1 crore?
Illustrative only — this is not a projection or a promise of returns. Every figure below is arithmetic applied to the rate of return you typed in. H2 Investment is not suggesting that rate, forecasting it, or promising it. Returns are market-linked, vary from year to year, and can be negative.
The figure is the monthly SIP that, at the rate and period you entered, would arithmetically add up to your target — not a rate we are suggesting is likely.
What this is, and what it isn’t
This is arithmetic on the numbers you typed. It compounds them at the rate you chose and shows you the result. That is all it does.
It is an illustration, not a projection. It is not a forecast, not a recommendation, and not an offer. Nobody knows what any investment will return, so the rate you enter is an assumption you are making, not a rate anyone is offering you. Real returns arrive unevenly — good years, flat years and falling years, in an order nobody can predict — and that order matters as much as the average.
Use the output the way you’d use a rough estimate on the back of an envelope: to see whether the shape of a plan is roughly right, not to decide what a specific rupee amount will be worth on a specific date.
A target picked because it’s a round number isn’t a plan. If the reason for the crore is a house, a retirement or a fee, the retirement calculator will tell you something more useful.
What this calculation assumes
It works backwards: given the target, the years and the rate you chose, it solves for the monthly amount. The assumptions:
- A fixed monthly amount and a fixed rate, held for the whole period.
- ₹1 crore in nominal rupees. This is the assumption worth pausing on. A crore twenty-five years from now buys roughly what ₹30 lakh buys today, at 5% inflation. The round number is a milestone, not a standard of living.
- Every instalment paid, no gaps.
- No costs or tax.
New to the idea behind this? Setting a financial goal walks through it in plain language.
Building long-term wealth? See the whole picture.
About these calculators
How much SIP do I need to build ₹1 crore?
Enter your period and an assumed rate and the tool shows the monthly SIP that would arithmetically add up to ₹1 crore. The rate is yours to choose and is an illustration, not a return we are promising.
Is this figure a projection of what I will earn?
No. Every figure here is an illustration produced from the numbers you type in, at a rate of return you choose yourself. It is arithmetic, not a forecast: mutual fund returns are market-linked and not assured, and the actual outcome will differ.
What rate of return should I assume?
That assumption is yours to make — the tool leaves it in your hands on purpose. A rate you enter is an illustration, not a rate we are promising or suggesting is likely. If you want to understand what drives returns in different kinds of funds, the explainers do that without putting a number on the future.
Does this account for tax, expense ratio or exit load?
Unless a field asks for it, no — the core calculators show how compounding works on the inputs you give. Real outcomes are reduced by the scheme’s expense ratio, by any exit load, and by tax on your gains.
Why do your figures differ from another site’s calculator?
Almost always because of the assumptions, not the maths — the return rate, whether tax and costs are included, and how compounding frequency is handled. Change those to match and the numbers converge. Every one of these is an illustration of arithmetic, not a claim about a real scheme.
Is an SIP better than investing a lump sum?
Neither is universally better — they suit different situations. An SIP spreads your investment across many dates, which fits money that arrives monthly and takes the timing decision off your plate; a lump sum puts money to work at once, which fits money you already hold. Which applies to you depends on your cash flow and goal, so it is a conversation rather than a rule. SIP or lump sum, compared goes deeper.
Talk to us
If you’d rather go through your own numbers with a person than a form, that’s what we’re for. You’ll speak to Himani, who runs H2 — the same person every time.
Other calculators
See all calculators. None of these ask for your name, your phone number or your PAN. Nothing you type is stored or sent anywhere. Use them as often as you like without hearing from us.