SIP of ₹5,000 a month for 20 years
At 12% a year it could grow to
₹49.96 lakh
₹49,95,740. You put in ₹12 lakh over 240 months, and ₹37.96 lakh of it is growth.
Change the numbers
At different returns
| Return | Growth | Total | Exact |
|---|
| 8% | ₹17.65 lakh | ₹29.65 lakh | ₹29,64,736 |
| 10% | ₹26.28 lakh | ₹38.28 lakh | ₹38,28,485 |
| 12% | ₹37.96 lakh | ₹49.96 lakh | ₹49,95,740 |
| 15% | ₹63.8 lakh | ₹75.8 lakh | ₹75,79,775 |
Raising the SIP by 10% every year (a step-up) takes it to ₹99.44 lakh at 12%, with ₹34.36 lakh put in.
Year by year at 12%
| Year | Put in | Growth | Total |
|---|
| 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 |
| 16 | ₹9,60,000 | ₹19,46,891 | ₹29,06,891 |
| 17 | ₹10,20,000 | ₹23,19,604 | ₹33,39,604 |
| 18 | ₹10,80,000 | ₹27,47,196 | ₹38,27,196 |
| 19 | ₹11,40,000 | ₹32,36,627 | ₹43,76,627 |
| 20 | ₹12,00,000 | ₹37,95,740 | ₹49,95,740 |
₹5,000 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.
Boond