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SIP of ₹1,000 a month for 20 years

At 12% a year it could grow to

₹9.99 lakh

₹9,99,148. You put in ₹2.4 lakh over 240 months, and ₹7.59 lakh of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹3.53 lakh₹5.93 lakh₹5,92,947
10%₹5.26 lakh₹7.66 lakh₹7,65,697
12%₹7.59 lakh₹9.99 lakh₹9,99,148
15%₹12.76 lakh₹15.16 lakh₹15,15,955

Raising the SIP by 10% every year (a step-up) takes it to ₹19.89 lakh at 12%, with ₹6.87 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
16₹1,92,000₹3,89,378₹5,81,378
17₹2,04,000₹4,63,921₹6,67,921
18₹2,16,000₹5,49,439₹7,65,439
19₹2,28,000₹6,47,325₹8,75,325
20₹2,40,000₹7,59,148₹9,99,148

₹1,000 a month for other periods

Other amounts for 20 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.