sip calculator: what your monthly sip grows to
₹5,000 a month for 10 years at an assumed 12% annual return grows to about ₹11,61,695: you put in ₹6,00,000 and the projected gain is ₹5,61,695. change the amount, return, years or yearly step-up below.
how the sip number is worked out
monthly rate i = annual return / 12 / 100, n = months. with payments at the start of each month, future value = P x ((1 + i)^n - 1) / i x (1 + i). a 12% annual return is treated as 1% a month, which is about 12.68% effective a year.
₹5,000 a month at 12%, by duration
| duration | you invest | projected value |
|---|---|---|
| 5 years | ₹3,00,000 | ₹4,12,432 |
| 10 years | ₹6,00,000 | ₹11,61,695 |
| 15 years | ₹9,00,000 | ₹25,22,880 |
| 20 years | ₹12,00,000 | ₹49,95,740 |
| 25 years | ₹15,00,000 | ₹94,88,175 |
illustrative only. mutual fund returns are not fixed or guaranteed, and this ignores tax, exit loads and expense ratio changes.
calculate yours
step-up sip and goal sip
with a 10% step-up every year, ₹5,000 a month for 10 years at 12% grows to about ₹16,87,163 on ₹9,56,245 invested. to reach ₹1 crore in 20 years at 12%, you need about ₹10,009 a month from day one.
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questions people ask
What will a ₹5,000 monthly SIP become in 10 years at 12%?
About ₹11,61,695. You invest ₹6,00,000 and the projected gain is about ₹5,61,695, assuming 12% a year compounded monthly and payments at the start of each month. Returns are not guaranteed.
How much SIP do I need for ₹1 crore in 20 years?
About ₹10,009 a month at an assumed 12% annual return, with a constant amount and no step-up. A 10% yearly step-up lowers the starting amount a lot.
What is a step-up SIP?
A SIP where the monthly amount rises by a fixed percentage every year, usually in line with salary hikes. The increase applies from month 13, then every 12 months.
Is the 12% return guaranteed?
No. 12% is an assumption for planning. Equity mutual fund returns vary year to year and can be negative over short periods.