How to use this SIP calculator
Investing ₹10,000 every month through a SIP for 15 years at an assumed 12% annual return could grow to roughly ₹47,59,314. Of that, ₹18,00,000 is your own contribution and about ₹29,59,314 is estimated compounding growth.
The longer you stay invested, the larger the share that comes from growth rather than your deposits — which is the core advantage of starting a ₹10,000 SIP early.
What ₹10,000 a month becomes over time
Holding the monthly investment at ₹10,000 and the assumed return at 12%, the projected corpus grows sharply with the investment period:
In 10 years it could grow to about ₹22,40,359 (you invest ₹12,00,000 and the estimated gain is ₹10,40,359).
In 15 years it could grow to about ₹47,59,314 (you invest ₹18,00,000 and the estimated gain is ₹29,59,314).
In 20 years it could grow to about ₹91,98,574 (you invest ₹24,00,000 and the estimated gain is ₹67,98,574).
In 25 years it could grow to about ₹1,70,22,066 (you invest ₹30,00,000 and the estimated gain is ₹1,40,22,066).
Why the return assumption matters
These figures use a steady 12% return for illustration, but real equity returns fluctuate year to year. Treat the result as a planning range, not a guarantee, and test a lower return to see your downside.
Fund expense ratios and long-term capital-gains tax on equity gains above the annual exemption will also reduce the final amount you receive.
Making your ₹10,000 SIP work harder
Stepping up your SIP each year as your income grows usually builds a far larger corpus than chasing a higher return on a flat ₹10,000.
Link the SIP to a specific goal and stay invested through market dips — the automatic rupee-cost averaging of a monthly SIP works best over full market cycles.