First Crore Calculator
The first ₹1 crore is the hardest and the slowest. See exactly when your SIP gets you there, and why the second crore arrives far faster.
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Your result
At ₹25,000 a month with a 10% annual step-up and 12% returns, you cross your first ₹1 crore in about 10.5 years (126 months). The encouraging part: at that growth rate your SECOND crore arrives in roughly half the time, because compounding works on a much bigger base.
- Monthly SIP today
- ₹25,000
- Annual step-up
- 10%
- Time to first crore
- 10.5 years
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See the full corpus, not just the crore
The SIP calculator shows the complete future value with step-up so you can see how far past the first crore the same plan takes you.
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Why the second crore is faster than the first
Wealth compounds on the base you have already built. By the time you reach ₹1 crore, the annual growth on the corpus alone (at 12 percent) is ₹12 lakh a year, more than most people contribute. From there the corpus does the heavy lifting and your contributions become the smaller part. This is why the wealthy seem to pull away: the gap is not effort, it is time spent compounding.