SIP Calculator —
10 Year Returns

At 12% annual return, a ₹10,000/month SIP for 10 years builds a corpus of approximately ₹23.2 lakhs. You invest ₹12 lakhs (₹10,000 × 120 months), and returns of ₹11.2 lakhs are generated — nearly equal to your investment. This is where compounding begins to show its true power, with the second 5 years generating far more than the first.

Ten years is an excellent horizon for equity mutual funds. Historically, virtually all diversified equity funds in India have delivered positive returns over any 10-year period. The probability of generating 10%+ CAGR over a decade in equity funds is very high. This horizon also allows you to ride out 1–2 full market cycles, significantly reducing timing risk.

The right SIP amount depends on your goal. To build ₹1 crore in 10 years at 12% return, you need approximately ₹43,000/month. For ₹50 lakhs, approximately ₹21,500/month. Use the calculator above to reverse-engineer your target — set your desired corpus and find the required monthly SIP.

Absolutely. A 10% annual step-up on a ₹10,000/month SIP over 10 years at 12% return generates approximately ₹38.5 lakhs vs ₹23.2 lakhs without step-up — a 66% improvement. Since most people see income growth of 8–12% annually, a 10% step-up is realistic and dramatically accelerates wealth creation.

If you stop SIP contributions midway, the already-invested amount continues to compound (unless redeemed), but you lose the benefit of future rupee cost averaging and contributions. It is generally better to reduce the SIP amount during a financial crunch rather than stopping entirely. Even ₹500/month kept active maintains the SIP habit and partial compounding benefit.