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SIP of ₹3,000 a month for 20 years

At 12% a year it could grow to

₹29.97 lakh

₹29,97,444. You put in ₹7.2 lakh over 240 months, and ₹22.77 lakh of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹10.59 lakh₹17.79 lakh₹17,78,842
10%₹15.77 lakh₹22.97 lakh₹22,97,091
12%₹22.77 lakh₹29.97 lakh₹29,97,444
15%₹38.28 lakh₹45.48 lakh₹45,47,865

Raising the SIP by 10% every year (a step-up) takes it to ₹59.67 lakh at 12%, with ₹20.62 lakh put in.

Year by year at 12%

YearPut inGrowthTotal
1₹36,000₹2,428₹38,428
2₹72,000₹9,730₹81,730
3₹1,08,000₹22,523₹1,30,523
4₹1,44,000₹41,505₹1,85,505
5₹1,80,000₹67,459₹2,47,459
6₹2,16,000₹1,01,271₹3,17,271
7₹2,52,000₹1,43,937₹3,95,937
8₹2,88,000₹1,96,580₹4,84,580
9₹3,24,000₹2,60,465₹5,84,465
10₹3,60,000₹3,37,017₹6,97,017
11₹3,96,000₹4,27,844₹8,23,844
12₹4,32,000₹5,34,757₹9,66,757
13₹4,68,000₹6,59,793₹11,27,793
14₹5,04,000₹8,05,254₹13,09,254
15₹5,40,000₹9,73,728₹15,13,728
16₹5,76,000₹11,68,135₹17,44,135
17₹6,12,000₹13,91,762₹20,03,762
18₹6,48,000₹16,48,318₹22,96,318
19₹6,84,000₹19,41,976₹26,25,976
20₹7,20,000₹22,77,444₹29,97,444

₹3,000 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.