10% return
₹75,93,688A lower-return scenario for more conservative planning.
SIP exampleVerified for FY 2026-27
₹10,000 SIP per Month for 20 Years
See what a ₹10,000 monthly SIP may become in 20 years with invested amount, estimated gains and alternate return scenarios.
Estimated future value₹98,92,554
Customise SIP amount, return and duration At an assumed 12.0% annual return, total investment is ₹24,00,000 and estimated gain is ₹74,92,554.
Monthly breakdown
- Monthly SIP
- ₹10,000
- Assumed return
- 12.0%
- Duration
- 20 years
- Final value
- ₹98.93L
Annual breakdown
- Annual investment
- ₹1,20,000
- Total invested
- ₹24,00,000
- Estimated gain
- ₹74,92,554
- Future value
- ₹98,92,554
Alternative scenarios
14% return
₹1,30,11,660A higher-return scenario; not guaranteed and should not be treated as a promise.
10% annual step-up
₹1,96,91,798Increasing SIP by 10% yearly lifts total invested to ₹68,73,000.
Assumptions
- Returns are annualised assumptions, not guaranteed mutual fund returns.
- Computation assumes month-end SIP investments and monthly compounding.
- Taxes, exit loads, expense ratios and market volatility are excluded from this simplified projection.
Official sources
Customise this calculation
This page uses one common set of assumptions. Open the calculator to adjust salary structure, deductions, return expectations, loan rate, tenure or retirement assumptions for your own case.
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