Common questions
How much SIP do I need for ₹1 crore in 10 years?
Assuming a 12% annual return, you need approximately ₹43,500/month to accumulate ₹1 crore in 10 years. At 15% return, that drops to ₹36,800/month. At a conservative 10%, you'd need ₹48,400/month. The exact number depends on your assumed return — use the sliders above to personalise it.
What return rate should I assume?
For large-cap equity mutual funds in India, 10–12% is a conservative long-run assumption. Mid-cap funds have historically returned 13–16% but with more risk. Most financial planners use 10–11% for conservative plans and 12–13% for moderate ones. Never plan around >15% returns — very few funds sustain that over a decade.
Does having existing savings reduce my SIP?
Yes. If you already have ₹10L saved, that money grows alongside your SIP contributions. The calculator subtracts the future value of your existing savings from your target, and shows you the remaining SIP needed. The larger your existing savings, the smaller your required monthly SIP.
How do I track whether I'm on pace for my goal?
Worthly's Journey tab shows your goal progress — how far you've come and whether you're ahead or behind based on your actual portfolio value.
Set up your first goal free →
