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SIP of ₹5,000 a month for 30 years

At 12% a year it could grow to

₹1.76 crore

₹1,76,49,569. You put in ₹18 lakh over 360 months, and ₹1.58 crore of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹57.01 lakh₹75.01 lakh₹75,01,476
10%₹95.97 lakh₹1.14 crore₹1,13,96,627
12%₹1.58 crore₹1.76 crore₹1,76,49,569
15%₹3.32 crore₹3.5 crore₹3,50,49,103

Raising the SIP by 10% every year (a step-up) takes it to ₹4.42 crore at 12%, with ₹98.7 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
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
21₹12,60,000₹44,33,371₹56,93,371
22₹13,20,000₹51,59,480₹64,79,480
23₹13,80,000₹59,85,286₹73,65,286
24₹14,40,000₹69,23,436₹83,63,436
25₹15,00,000₹79,88,175₹94,88,175
26₹15,60,000₹91,95,560₹1,07,55,560
27₹16,20,000₹1,05,63,681₹1,21,83,681
28₹16,80,000₹1,21,12,924₹1,37,92,924
29₹17,40,000₹1,38,66,258₹1,56,06,258
30₹18,00,000₹1,58,49,569₹1,76,49,569

₹5,000 a month for other periods

Other amounts for 30 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.