₹10,000 Monthly SIP Calculator
Forecast compound wealth and inflation purchasing power for ₹10,000 monthly mutual fund investments
SIP Investment Calculator
Calculate mutual fund SIP compounding, model annual Step-Up increments, and adjust for future inflation.
Increase your monthly investment each year in line with salary growth.
See the future purchasing power of your portfolio in today's money.
Estimated Wealth Maturity
₹50,45,760
Invested Principal
₹18,00,000
Estimated Gains
₹32,45,760
Compounding Curve
SIP Wealth Accumulation Table
15 Years Breakdown| Year | Cumulative Invested | Estimated Gains | Nominal Maturity |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| Year 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| Year 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| Year 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| Year 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| Year 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| Year 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| Year 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| Year 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| Year 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| Year 11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| Year 12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| Year 13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| Year 14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| Year 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
The Mathematical Superiority of Step-Up SIP
Standard SIP calculations assume you invest the exact same monthly contribution throughout a 15-20 year career. However, real-world salaries typically expand by 8-12% each year. By toggling a 10% Annual Step-Up, an investor allocating ₹10,000/month accumulates over ₹2.1 Crore across 15 years at 12% CAGR, compared to only ~₹50 Lakhs in a static SIP — quadrupling the terminal corpus with modest incremental contributions.
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₹5,000 Monthly SIP Calculator
Discover how a disciplined ₹5,000/month mutual fund investment compounds into wealth over 15 to 20 years
₹1 Crore Target SIP Calculator
Find the exact monthly SIP contribution needed to achieve your ₹1,00,00,000 financial freedom goal
Frequently Asked Questions: ₹10,000 Monthly SIP Calculator
How much wealth does ₹10,000 monthly SIP create in 20 years?
At 12% CAGR, ₹10,000 per month for 20 years yields approximately ₹99,91,479 (~₹1 Crore) on an invested capital of ₹24 Lakhs.
The maths behind the sip investment calculator
So you can check the result rather than take it on trust.
The formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P — monthly instalment
- i — expected return per month = annual return ÷ 12 ÷ 100
- n — number of instalments
- The trailing × (1 + i) assumes the instalment is invested at the start of the month
Worked example
₹10,000 per month for 10 years at an assumed 12% annual return.
- i
- 12 ÷ 12 ÷ 100 = 0.01
- n
- 120
- Invested
- 10,000 × 120 = 12,00,000
Projected value ₹23,23,391 — ₹11,23,391 of it growth.
Growth does not overtake contributions until around year 11 at 12%. Before that, most of your balance is simply money you put in — which is why SIP results in years 1–5 feel disappointing and why stopping then is the expensive mistake.
Where this calculation usually goes wrong
Treating the projected return as a promise
12% is a planning assumption, not an outcome. Equity returns arrive unevenly; a 12% average can contain a −25% year. Model 8% and 15% as well and check the plan survives the low case.
Ignoring the difference between SIP and lump sum
The same ₹12,00,000 invested as a lump sum on day one at 12% becomes ₹37,27,018 over 10 years, versus ₹23,23,391 via SIP. SIP is smaller because the average rupee is invested for about half the period — SIP buys discipline and averaging, not higher returns.
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