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SIP of ₹1,000 a month for 15 years

At 12% a year it could grow to

₹5.05 lakh

₹5,04,576. You put in ₹1.8 lakh over 180 months, and ₹3.25 lakh of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹1.68 lakh₹3.48 lakh₹3,48,345
10%₹2.38 lakh₹4.18 lakh₹4,17,924
12%₹3.25 lakh₹5.05 lakh₹5,04,576
15%₹4.97 lakh₹6.77 lakh₹6,76,863

Raising the SIP by 10% every year (a step-up) takes it to ₹8.68 lakh at 12%, with ₹3.81 lakh put in.

Year by year at 12%

YearPut inGrowthTotal
1₹12,000₹809₹12,809
2₹24,000₹3,243₹27,243
3₹36,000₹7,508₹43,508
4₹48,000₹13,835₹61,835
5₹60,000₹22,486₹82,486
6₹72,000₹33,757₹1,05,757
7₹84,000₹47,979₹1,31,979
8₹96,000₹65,527₹1,61,527
9₹1,08,000₹86,822₹1,94,822
10₹1,20,000₹1,12,339₹2,32,339
11₹1,32,000₹1,42,615₹2,74,615
12₹1,44,000₹1,78,252₹3,22,252
13₹1,56,000₹2,19,931₹3,75,931
14₹1,68,000₹2,68,418₹4,36,418
15₹1,80,000₹3,24,576₹5,04,576

₹1,000 a month for other periods

Other amounts for 15 years

SIP needed for a goal

Boond is a calculator, not investment advice. Mutual fund investments are subject to market risks. Returns shown are estimates at the rates listed, before tax.