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SIP of ₹5,000 a month for 15 years

At 12% a year it could grow to

₹25.23 lakh

₹25,22,880. You put in ₹9 lakh over 180 months, and ₹16.23 lakh of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹8.42 lakh₹17.42 lakh₹17,41,726
10%₹11.9 lakh₹20.9 lakh₹20,89,621
12%₹16.23 lakh₹25.23 lakh₹25,22,880
15%₹24.84 lakh₹33.84 lakh₹33,84,315

Raising the SIP by 10% every year (a step-up) takes it to ₹43.42 lakh at 12%, with ₹19.06 lakh put in.

Year by year at 12%

YearPut inGrowthTotal
1₹60,000₹4,047₹64,047
2₹1,20,000₹16,216₹1,36,216
3₹1,80,000₹37,538₹2,17,538
4₹2,40,000₹69,174₹3,09,174
5₹3,00,000₹1,12,432₹4,12,432
6₹3,60,000₹1,68,785₹5,28,785
7₹4,20,000₹2,39,895₹6,59,895
8₹4,80,000₹3,27,633₹8,07,633
9₹5,40,000₹4,34,108₹9,74,108
10₹6,00,000₹5,61,695₹11,61,695
11₹6,60,000₹7,13,074₹13,73,074
12₹7,20,000₹8,91,261₹16,11,261
13₹7,80,000₹10,99,656₹18,79,656
14₹8,40,000₹13,42,090₹21,82,090
15₹9,00,000₹16,22,880₹25,22,880

₹5,000 a month for other periods

Other amounts for 15 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.