SIP Calculator —
30 Year Returns

At 12% annual return, ₹10,000/month SIP for 30 years creates a staggering corpus of approximately ₹3.52 crores. You invest ₹36 lakhs over 30 years, and returns of ₹3.16 crores accumulate — nearly 9× your invested amount. Over 30 years, compounding is fully supercharged, with the final decade generating more wealth than the previous two decades combined.

Over a 30-year period, equity mutual funds in India have historically delivered 12–16% CAGR. For conservative planning, use 12%. For goal calculations involving aggressive portfolios (mid/small-cap tilt), 14–15% can be used. Never use historical peak returns (18–20%) for 30-year planning as they are not sustainable. Planning with 12% ensures your actual returns likely exceed projections.

At 12% annual return, ₹5,000/month SIP for 30 years produces approximately ₹1.76 crores. This is from ₹18 lakhs invested. The last 5 years of a 30-year SIP alone contribute approximately ₹70 lakhs — more than the entire first 15 years combined. This illustrates why stopping a long-term SIP even 3–5 years early is extremely costly.

Starting early with a smaller amount always beats starting late with a larger amount for long-horizon investing. ₹5,000/month for 30 years = ₹1.76 crores. ₹15,000/month for 20 years = ₹1.5 crores. You get more wealth from a smaller early SIP over 30 years than a larger late SIP over 20 years. Time in the market is the most valuable asset.

For equity mutual fund SIP redemptions after 1 year per instalment: Long-Term Capital Gains (LTCG) above ₹1 lakh annually are taxed at 10% without indexation. For a 30-year SIP, each monthly instalment becomes LTCG-eligible after 12 months. When you redeem after 30 years, each unit's gain is calculated from its purchase date. Tax harvesting — redeeming up to ₹1 lakh in gains annually — can significantly reduce the overall tax burden.