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SIP of ₹50,000 a month for 20 years

At 12% a year it could grow to

₹5 crore

₹4,99,57,396. You put in ₹1.2 crore over 240 months, and ₹3.8 crore of it is growth.

Change the numbers

At different returns

ReturnGrowthTotalExact
8%₹1.76 crore₹2.96 crore₹2,96,47,361
10%₹2.63 crore₹3.83 crore₹3,82,84,845
12%₹3.8 crore₹5 crore₹4,99,57,396
15%₹6.38 crore₹7.58 crore₹7,57,97,749

Raising the SIP by 10% every year (a step-up) takes it to ₹9.94 crore at 12%, with ₹3.44 crore put in.

Year by year at 12%

YearPut inGrowthTotal
1₹6,00,000₹40,466₹6,40,466
2₹12,00,000₹1,62,160₹13,62,160
3₹18,00,000₹3,75,382₹21,75,382
4₹24,00,000₹6,91,742₹30,91,742
5₹30,00,000₹11,24,318₹41,24,318
6₹36,00,000₹16,87,852₹52,87,852
7₹42,00,000₹23,98,950₹65,98,950
8₹48,00,000₹32,76,328₹80,76,328
9₹54,00,000₹43,41,075₹97,41,075
10₹60,00,000₹56,16,954₹1,16,16,954
11₹66,00,000₹71,30,741₹1,37,30,741
12₹72,00,000₹89,12,609₹1,61,12,609
13₹78,00,000₹1,09,96,557₹1,87,96,557
14₹84,00,000₹1,34,20,898₹2,18,20,898
15₹90,00,000₹1,62,28,800₹2,52,28,800
16₹96,00,000₹1,94,68,910₹2,90,68,910
17₹1,02,00,000₹2,31,96,041₹3,33,96,041
18₹1,08,00,000₹2,74,71,962₹3,82,71,962
19₹1,14,00,000₹3,23,66,271₹4,37,66,271
20₹1,20,00,000₹3,79,57,396₹4,99,57,396

₹50,000 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.