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SIP of ₹20,000 a month for 20 years

At 12% a year it could grow to

₹2 crore

₹1,99,82,958. You put in ₹48 lakh over 240 months, and ₹1.52 crore of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹70.59 lakh₹1.19 crore₹1,18,58,944
10%₹1.05 crore₹1.53 crore₹1,53,13,938
12%₹1.52 crore₹2 crore₹1,99,82,958
15%₹2.55 crore₹3.03 crore₹3,03,19,099

Raising the SIP by 10% every year (a step-up) takes it to ₹3.98 crore at 12%, with ₹1.37 crore put in.

Year by year at 12%

YearPut inGrowthTotal
1₹2,40,000₹16,187₹2,56,187
2₹4,80,000₹64,864₹5,44,864
3₹7,20,000₹1,50,153₹8,70,153
4₹9,60,000₹2,76,697₹12,36,697
5₹12,00,000₹4,49,727₹16,49,727
6₹14,40,000₹6,75,141₹21,15,141
7₹16,80,000₹9,59,580₹26,39,580
8₹19,20,000₹13,10,531₹32,30,531
9₹21,60,000₹17,36,430₹38,96,430
10₹24,00,000₹22,46,782₹46,46,782
11₹26,40,000₹28,52,296₹54,92,296
12₹28,80,000₹35,65,043₹64,45,043
13₹31,20,000₹43,98,623₹75,18,623
14₹33,60,000₹53,68,359₹87,28,359
15₹36,00,000₹64,91,520₹1,00,91,520
16₹38,40,000₹77,87,564₹1,16,27,564
17₹40,80,000₹92,78,417₹1,33,58,417
18₹43,20,000₹1,09,88,785₹1,53,08,785
19₹45,60,000₹1,29,46,508₹1,75,06,508
20₹48,00,000₹1,51,82,958₹1,99,82,958

₹20,000 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.