The Real Problem This Solves
People guess their SIP will "grow nicely" without seeing the actual number. Then they under-invest for 10 years and fall lakhs short of their goal.
Seeing the real maturity figure now is what pushes you to invest enough. This calculator does exactly that.
How Compounding Builds Your Wealth
A SIP invests a fixed amount monthly. Each instalment compounds for the remaining months, which is why long horizons matter far more than the monthly amount.
Example: Priya invests ₹5,000/month for 10 years at an assumed 12% annual return. She puts in ₹6 lakh total, but her corpus grows to about ₹11.6 lakh, nearly double, with ₹5.6 lakh coming purely from returns. Stretch it to 20 years and the same ₹5,000/month becomes roughly ₹50 lakh.
Not sure what your own number should be? Read how much to invest in SIP every month for a goal-based way to work it out.
| Monthly SIP | Duration | Invested | Est. Value (12%) |
|---|---|---|---|
| ₹5,000 | 10 years | ₹6,00,000 | ₹11.6 lakh |
| ₹5,000 | 20 years | ₹12,00,000 | ₹50 lakh |
| ₹10,000 | 20 years | ₹24,00,000 | ₹1 crore |
Frequently Asked Questions
Are SIP returns guaranteed?
No. SIPs invest in market-linked mutual funds, so returns vary year to year. The 12% used here is an assumption based on long-term equity averages, not a promise.
Is it better to invest more monthly or for longer?
Time usually beats amount. Because of compounding, starting early and staying invested longer often builds more wealth than investing a larger sum later.
Related Calculators
Saw your SIP corpus?
Your income will rise every year, and your SIP should too. See how much more you build by increasing it annually with our Step-Up SIP Calculator.
Open Step-Up SIP Calculator →