Monthly Investment ↔ Target Corpus Converter
Enter how much you invest monthly to see the corpus you’ll build — or enter your target corpus to find the required monthly investment.
Growth trajectory over time
The Power of Consistent Monthly Investing
The monthly investment → corpus converter reveals one of personal finance’s most powerful truths: time matters far more than the monthly amount. Investing ₹5,000/month for 30 years at 12% produces ₹1.76 crore — while investing ₹20,000/month for 10 years at the same rate produces only ₹46.5 lakh. The 30-year investor invested less total (₹18L vs ₹24L) but earned 3.7× more corpus.
Required Monthly = Target × (r/12) / (((1 + r/12)^(12n) − 1) × (1 + r/12))
Where: M = monthly amount, r = annual rate, n = years
Required monthly: ₹1,00,00,000 × 0.01 / (((1.01)^120 − 1) × 1.01) = ₹43,470/month
Total invested: ₹52.2L | Market adds: ₹47.8L (nearly equal split!)
💡 What This Means for You
If ₹43,470/month feels too high for a ₹1 crore goal, simply extend the timeline. The same ₹1 crore in 15 years requires only ₹19,825/month, and in 20 years just ₹9,825/month — a 78% reduction just by waiting 10 more years. Start early, not large.
Plan your specific financial goals
Use our Goal Planning Calculator to factor in inflation and current savings too.