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SIP of ₹10,000 a month for 30 years

At 12% a year it could grow to

₹3.53 crore

₹3,52,99,138. You put in ₹36 lakh over 360 months, and ₹3.17 crore of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹1.14 crore₹1.5 crore₹1,50,02,952
10%₹1.92 crore₹2.28 crore₹2,27,93,253
12%₹3.17 crore₹3.53 crore₹3,52,99,138
15%₹6.65 crore₹7.01 crore₹7,00,98,206

Raising the SIP by 10% every year (a step-up) takes it to ₹8.83 crore at 12%, with ₹1.97 crore put in.

Year by year at 12%

YearPut inGrowthTotal
1₹1,20,000₹8,093₹1,28,093
2₹2,40,000₹32,432₹2,72,432
3₹3,60,000₹75,076₹4,35,076
4₹4,80,000₹1,38,348₹6,18,348
5₹6,00,000₹2,24,864₹8,24,864
6₹7,20,000₹3,37,570₹10,57,570
7₹8,40,000₹4,79,790₹13,19,790
8₹9,60,000₹6,55,266₹16,15,266
9₹10,80,000₹8,68,215₹19,48,215
10₹12,00,000₹11,23,391₹23,23,391
11₹13,20,000₹14,26,148₹27,46,148
12₹14,40,000₹17,82,522₹32,22,522
13₹15,60,000₹21,99,311₹37,59,311
14₹16,80,000₹26,84,180₹43,64,180
15₹18,00,000₹32,45,760₹50,45,760
16₹19,20,000₹38,93,782₹58,13,782
17₹20,40,000₹46,39,208₹66,79,208
18₹21,60,000₹54,94,392₹76,54,392
19₹22,80,000₹64,73,254₹87,53,254
20₹24,00,000₹75,91,479₹99,91,479
21₹25,20,000₹88,66,742₹1,13,86,742
22₹26,40,000₹1,03,18,959₹1,29,58,959
23₹27,60,000₹1,19,70,573₹1,47,30,573
24₹28,80,000₹1,38,46,872₹1,67,26,872
25₹30,00,000₹1,59,76,351₹1,89,76,351
26₹31,20,000₹1,83,91,120₹2,15,11,120
27₹32,40,000₹2,11,27,362₹2,43,67,362
28₹33,60,000₹2,42,25,847₹2,75,85,847
29₹34,80,000₹2,77,32,516₹3,12,12,516
30₹36,00,000₹3,16,99,138₹3,52,99,138

₹10,000 a month for other periods

Other amounts for 30 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.