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SIP of ₹25,000 a month for 20 years

At 12% a year it could grow to

₹2.5 crore

₹2,49,78,698. You put in ₹60 lakh over 240 months, and ₹1.9 crore of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹88.24 lakh₹1.48 crore₹1,48,23,680
10%₹1.31 crore₹1.91 crore₹1,91,42,423
12%₹1.9 crore₹2.5 crore₹2,49,78,698
15%₹3.19 crore₹3.79 crore₹3,78,98,874

Raising the SIP by 10% every year (a step-up) takes it to ₹4.97 crore at 12%, with ₹1.72 crore put in.

Year by year at 12%

YearPut inGrowthTotal
1₹3,00,000₹20,233₹3,20,233
2₹6,00,000₹81,080₹6,81,080
3₹9,00,000₹1,87,691₹10,87,691
4₹12,00,000₹3,45,871₹15,45,871
5₹15,00,000₹5,62,159₹20,62,159
6₹18,00,000₹8,43,926₹26,43,926
7₹21,00,000₹11,99,475₹32,99,475
8₹24,00,000₹16,38,164₹40,38,164
9₹27,00,000₹21,70,538₹48,70,538
10₹30,00,000₹28,08,477₹58,08,477
11₹33,00,000₹35,65,370₹68,65,370
12₹36,00,000₹44,56,304₹80,56,304
13₹39,00,000₹54,98,279₹93,98,279
14₹42,00,000₹67,10,449₹1,09,10,449
15₹45,00,000₹81,14,400₹1,26,14,400
16₹48,00,000₹97,34,455₹1,45,34,455
17₹51,00,000₹1,15,98,021₹1,66,98,021
18₹54,00,000₹1,37,35,981₹1,91,35,981
19₹57,00,000₹1,61,83,135₹2,18,83,135
20₹60,00,000₹1,89,78,698₹2,49,78,698

₹25,000 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.