Free tool
SIP Calculator
See how a monthly investment compounds into long-term wealth.
Equity mutual funds have historically delivered 10–14% p.a. over long horizons; returns are market-linked and not guaranteed.
Corpus after 10 years
₹23.2 L
- You invest
- ₹12,00,000
- Wealth gained
- ₹11,23,391
- Total value
- ₹23,23,391
About this calculator
What return should I assume?
Diversified equity funds have historically delivered 10–14% p.a. over 10+ year periods; debt funds 6–7.5%. Use 10–12% for realistic equity planning — and remember returns are market-linked, not guaranteed.
Why do small monthly amounts become so large?
Compounding: each year's gains themselves earn returns in every following year. At 12%, ₹10,000 a month becomes roughly ₹23 lakhs in 10 years and ₹1 crore in 20 — time matters more than amount.
Can I increase my SIP later?
Yes — a step-up SIP raises your contribution annually (say 10%) as your income grows, and dramatically accelerates the corpus. Ask us to model one for you.
Like what compounding can do?
Start a goal-based SIP with expert fund selection — from ₹500 a month.