Loading...
Loading...
Calculate the future value of your ₹1,00,000 monthly systematic investment plan. See expected maturity wealth after 5, 10, 15, and 20 years with compound interest growth charts.
Plan your systematic wealth creation with growth charts
Increase investment every year
Staying invested for an extra 5 years can often double your final maturity amount due to the power of compounding.
A Systematic Investment Plan (SIP) allows you to invest small amounts regularly in mutual funds, making wealth creation accessible to everyone.
It eliminates the risk of "timing the market" through Rupee Cost Averaging, where you buy more units when prices are low and fewer when prices are high.
Wealth Formula
Automate your savings and ensure you invest before you spend.
No need to time the market; volatility works in your favor over time.
Small amounts invested early lead to massive wealth in the long run.
Start or stop your SIP anytime based on your financial needs.
After 10 Years (12% returns)
₹2,30,03,869
Invested: ₹1,20,00,000
After 20 Years (12% returns)
₹9,89,25,537
Invested: ₹2,40,00,000
| Tenure | Total Invested | Estimated Returns | Total Wealth |
|---|---|---|---|
| 5 Years | ₹60,00,000 | ₹21,66,967 | ₹81,66,967 |
| 10 Years | ₹1,20,00,000 | ₹1,10,03,869 | ₹2,30,03,869 |
| 15 Years | ₹1,80,00,000 | ₹3,19,58,020 | ₹4,99,58,020 |
| 20 Years | ₹2,40,00,000 | ₹7,49,25,537 | ₹9,89,25,537 |
| Tenure | at 12% CAGR | at 14% CAGR | at 15% CAGR |
|---|---|---|---|
| 5 Years | ₹81,66,967 | ₹86,19,513 | ₹88,57,451 |
| 10 Years | ₹2,30,03,869 | ₹2,59,06,891 | ₹2,75,21,706 |
| 15 Years | ₹4,99,58,020 | ₹6,05,78,627 | ₹6,68,50,676 |
| 20 Years | ₹9,89,25,537 | ₹13,01,16,601 | ₹14,97,23,948 |
Step-Up SIP Strategy
Increasing your SIP by 10% every year can significantly beat a flat SIP — a ₹1,00,000 SIP stepped up annually often outperforms a fixed ₹2,00,000 SIP within 10–15 years. Try our step-up SIP calculator to compare.
Find answers to common questions about this calculator below.
For a ₹1,00,000 monthly SIP at 12% expected returns for 10 years, the total investment would be ₹1,20,00,000 and the estimated total value would be approximately ₹2,30,03,869.
For a ₹1,00,000 monthly SIP at 12% expected returns for 20 years, the total investment would be ₹2,40,00,000 and the estimated total value would be approximately ₹9,89,25,537.
A ₹1,00,000 monthly SIP at 12% returns for 20 years grows to approximately ₹9,89,25,537. Whether this is enough depends on your retirement goals, current age, and expected expenses. Use our retirement calculator for a detailed plan.
No. 12% CAGR is an illustrative long-term assumption used across this page, not a guaranteed return. Mutual fund investments are subject to market risks; actual returns vary and can be negative over the short term. Read scheme-related documents carefully before investing.