SIP Calculator India – Plan Your Wealth with Systematic Investments
Calculate your mutual fund SIP returns with compound interest, step-up top-ups, and inflation-adjusted real returns. See how ₹5,000/month can grow to ₹35+ lakh in 20 years. Free, accurate, and instant.
Compound Growth
Future Value Formula
Step-Up SIP
Annual Top-up Planning
Inflation Adjusted
Real Returns View
Goal Planner
Target Corpus Calculator
Quick Answer: How much can a ₹10,000 monthly SIP grow?
A ₹10,000 monthly SIP at 12% annual return grows to approximately:
5 years: ₹8.2 lakh (₹6L invested + ₹2.2L returns)
10 years: ₹23.2 lakh (₹12L invested + ₹11.2L returns)
20 years: ₹99.9 lakh (₹24L invested + ₹75.9L returns)
30 years: ₹3.53 crore (₹36L invested + ₹3.17 crore returns)
With 10% annual step-up, the 20-year corpus jumps to ₹2.16 crore. Start early — time in the market beats timing the market.
What is the 15×15×15 rule of SIP?
The popular 15×15×15 rule states: if you invest ₹15,000 per month for 15 years at 15% annual return, your corpus grows to approximately ₹1 crore. Total invested: ₹27 lakh. Wealth gained: ₹73 lakh. This simple rule demonstrates the power of compounding and why starting early with a disciplined SIP is the most reliable path to becoming a crorepati.
Calculate Your SIP Returns
Enter your monthly investment, expected return rate, and duration. See the power of compounding with year-wise breakdown.
Quick Scenarios
Enable to increase your SIP amount annually — significantly boosts long-term corpus.
Toggle to see what your future corpus is worth in today's purchasing power.
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Enter your monthly SIP amount and duration to see the magic of compounding.
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See the Power of Compounding
Visualizing how your money grows over time — the longer you stay invested, the more dramatic the compounding effect.
₹10,000/month SIP at 12% — 30 Year Growth
Watch how the returns (in green) eventually dwarf the invested amount (in blue).
The 15×15×15 Rule
₹1 Crore
₹15K × 15yr × 15%
Can ₹15,000/month really become ₹1 crore?
Yes — the 15×15×15 rule is the most popular SIP formula in India. Invest ₹15,000 per month for 15 years at 15% annual return, and you get approximately ₹1 crore. Total invested: ₹27 lakh. Wealth gained: ₹73 lakh. This demonstrates why starting early and staying consistent is more important than investing large amounts. At 12% (a more conservative estimate), the same ₹15,000/month grows to approximately ₹75.5 lakh in 15 years — still a solid 2.8× multiplier on your investment.
How Much Can Your SIP Grow?
From ₹500 to ₹50,000 — see realistic projections at 12% annual return. All calculations assume monthly compounding.
₹500/month SIP
10 Years
₹1.16 L
Gain: ₹56,168
20 Years
₹4.99 L
Gain: ₹3.79 L
30 Years
₹17.6 L
Gain: ₹15.8 L
Start with just ₹500 — the minimum SIP amount in most mutual funds. In 30 years, it grows to ₹17.6 lakh with only ₹1.8 lakh invested. That is the power of starting early.
₹5,000/month SIP
10 Years
₹11.6 L
Gain: ₹5.61 L
20 Years
₹49.9 L
Gain: ₹37.9 L
30 Years
₹1.76 Cr
Gain: ₹1.58 Cr
₹5,000 per month is achievable for most salaried Indians. Over 30 years, you invest ₹18 lakh and create a corpus of ₹1.76 crore — nearly 10× your investment.
₹10,000/month SIP
10 Years
₹23.2 L
Gain: ₹11.2 L
20 Years
₹99.9 L
Gain: ₹75.9 L
30 Years
₹3.52 Cr
Gain: ₹3.16 Cr
At ₹10,000/month, you cross the ₹1 crore mark in about 20 years. By year 30, your ₹36 lakh investment becomes ₹3.52 crore — a 9.8× multiplier from compounding.
₹25,000/month SIP
10 Years
₹58.0 L
Gain: ₹28.0 L
20 Years
₹2.49 Cr
Gain: ₹1.89 Cr
30 Years
₹8.81 Cr
Gain: ₹7.91 Cr
A ₹25,000 monthly SIP for 30 years builds an ₹8.81 crore corpus. That is comfortable retirement territory — and you only invested ₹90 lakh of your own money.
₹50,000/month SIP
10 Years
₹1.16 Cr
Gain: ₹56.1 L
20 Years
₹4.99 Cr
Gain: ₹3.79 Cr
30 Years
₹17.6 Cr
Gain: ₹15.8 Cr
At ₹50,000/month, you become a crorepati in just 10 years. Over 30 years, ₹1.80 crore invested grows to ₹17.6 crore — enough for a dream retirement.
Why SIP Works: 6 Powerful Concepts
Understanding these principles helps you stay invested through market ups and downs.
Rupee Cost Averaging
SIP automatically buys more units when markets are down and fewer when up. This averages your purchase cost over time, reducing the risk of investing a lump sum at a market peak.
Power of Compounding
When your returns start earning returns, growth becomes exponential. This is why the gap between 20-year and 30-year SIPs is so massive — the last 10 years contribute more than the first 20 combined.
Discipline Over Timing
You do not need to time the market. SIP enforces financial discipline — a fixed amount every month regardless of market conditions. This removes emotion from investing.
Start Early, Stay Long
Starting 10 years earlier can double your final corpus even with the same monthly amount. A ₹10,000 SIP started at age 25 vs 35 results in approximately ₹3.5 crore vs ₹99 lakh at retirement.
Step-Up for Acceleration
Increasing your SIP by just 10% each year (matching salary hikes) can multiply your final corpus by 2-3×. A ₹10,000 SIP with 10% step-up for 20 years grows to ₹2.60 crore vs ₹99 lakh without.
Tax-Saving with ELSS
Equity Linked Savings Schemes (ELSS) offer tax deduction under Section 80C (up to ₹1.5 lakh/year) with a 3-year lock-in — the shortest among 80C options. Combine tax saving with wealth creation.
Start Your SIP Journey Today
The best time to start a SIP was 20 years ago. The second best time is today. Even ₹500/month can grow into lakhs with time and compounding.
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SIP FAQs — 20 Common Questions Answered
From SIP basics to tax rules and goal planning — comprehensive answers optimized for featured snippets.
SIP returns use the future value of annuity formula: FV = P × ((1 + r)^n − 1) ÷ r × (1 + r). P = monthly investment, r = monthly rate of return (annual rate ÷ 12 ÷ 100), n = total months (years × 12). For example, ₹10,000/month × 20 years × 12% = ₹10,000 × ((1.01^240 − 1) ÷ 0.01) × 1.01 ≈ ₹99.9 lakh. Total invested: ₹24 lakh. Wealth gained: ₹75.9 lakh.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The SIP calculator provides estimates based on assumed rates of return — actual returns may vary. This tool is for educational purposes only and does not constitute financial advice.