Monthly savings needed (8% a year)
| Goal | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹10 lakh | ₹13,610 | ₹5,466 | ₹2,890 | ₹1,698 |
| ₹25 lakh | ₹34,024 | ₹13,665 | ₹7,225 | ₹4,244 |
| ₹50 lakh | ₹68,049 | ₹27,330 | ₹14,449 | ₹8,489 |
| ₹1 crore | ₹1,36,097 | ₹54,661 | ₹28,899 | ₹16,977 |
The figures assume equal monthly deposits at the end of each month, with interest compounded monthly at 8% a year, the same method as our calculator. Real returns vary, and returns from market-linked investments are not guaranteed.
What the chart shows
- Reaching ₹1 crore in 20 years needs about ₹16,977 a month; in 10 years it needs about ₹54,661.
- Doubling the time cuts the monthly amount by much more than half, because interest has longer to compound.
- Use the calculator to try your own goal, rate and time.
The formula
Monthly saving = goal × r ÷ ((1 + r)n − 1), where r is the monthly rate (annual rate ÷ 12) and n is the number of months.
Try it yourself. Get your own result in seconds with the free Savings Calculator.
Open the Savings CalculatorFrequently asked questions
How much should I save monthly to get ₹1 crore in 15 years?
About ₹28,899 a month at 8% a year.
Does a higher return change much?
Yes. Over long periods, even 1–2 percentage points make a large difference.
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Written and reviewed by the editorial team at Evavel Private Limited. Found an error? Email care@calculations.one.