SIP Calculator: ₹10,000 a Month for 15 Years
The short answer
A SIP of ₹10,000 a month for 15 years invests ₹18,00,000. At an assumed 12 percent a year it could reach about ₹50,45,760, where most of the amount is gain, not what you paid in. This is an assumption, not a promise, so try lower rates too.
Value after the period
₹50,45,760
If the return stays the same every year. It is an assumption, not a promise.
You invest
₹18,00,000
Gain
₹32,45,760
Total
₹50,45,760
Year-by-year growth
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹50,45,760 |
Worked out as: monthly amount × ((1 + i)n − 1) ÷ i × (1 + i), where i is the yearly return ÷ 12 and n the number of months, with each payment made at the start of the month. Real mutual funds go up and down, and charges and tax are not included.
Everything runs in your browser. What you type is not sent anywhere.
How to: SIP Calculator: ₹10,000 a Month for 15 Years
- 1Type 10000 as the monthly amount.
- 2Type the yearly return you want to assume.
- 3Type 15 as the number of years.
- 4Read what you invest and the estimated value, then try a lower rate.
At a glance
- You invest
- ₹18,00,000
- Value at 12% (assumed)
- ₹50,45,760
- Gain
- ₹32,45,760
Frequently asked questions
Why is the gain bigger than the money I put in?
Over a long time, the returns earn their own returns. That is called compounding, and it is why the last years of a long SIP add so much.
What happens if the market falls?
The value of your SIP can fall too, sometimes for years. This calculator uses one steady rate, which real markets never give.
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