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SIP of ₹2,000 a month for 20 years

At 12% a year it could grow to

₹19.98 lakh

₹19,98,296. You put in ₹4.8 lakh over 240 months, and ₹15.18 lakh of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹7.06 lakh₹11.86 lakh₹11,85,894
10%₹10.51 lakh₹15.31 lakh₹15,31,394
12%₹15.18 lakh₹19.98 lakh₹19,98,296
15%₹25.52 lakh₹30.32 lakh₹30,31,910

Raising the SIP by 10% every year (a step-up) takes it to ₹39.78 lakh at 12%, with ₹13.75 lakh put in.

Year by year at 12%

YearPut inGrowthTotal
1₹24,000₹1,619₹25,619
2₹48,000₹6,486₹54,486
3₹72,000₹15,015₹87,015
4₹96,000₹27,670₹1,23,670
5₹1,20,000₹44,973₹1,64,973
6₹1,44,000₹67,514₹2,11,514
7₹1,68,000₹95,958₹2,63,958
8₹1,92,000₹1,31,053₹3,23,053
9₹2,16,000₹1,73,643₹3,89,643
10₹2,40,000₹2,24,678₹4,64,678
11₹2,64,000₹2,85,230₹5,49,230
12₹2,88,000₹3,56,504₹6,44,504
13₹3,12,000₹4,39,862₹7,51,862
14₹3,36,000₹5,36,836₹8,72,836
15₹3,60,000₹6,49,152₹10,09,152
16₹3,84,000₹7,78,756₹11,62,756
17₹4,08,000₹9,27,842₹13,35,842
18₹4,32,000₹10,98,878₹15,30,878
19₹4,56,000₹12,94,651₹17,50,651
20₹4,80,000₹15,18,296₹19,98,296

₹2,000 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.