Pick your monthly SIP amount and see exactly what it grows to over 10, 15, 20 and 25 years.
Short answer: at a 12% long-run average, every ₹1,000 of monthly SIP becomes about ₹2.32 lakh in 10 years and ₹10 lakh in 20. The jump between those two is compounding, and it is why tenure matters more than the amount.
Rates and slabs are indicative, as of August 2026 · All figures at 12% annual returns
Click any amount for a full breakdown — every tenure, every return scenario, and what actually drives the outcome.
| Monthly SIP | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹500/month | ₹1.16 L | ₹2.52 L | ₹5.00 L | ₹9.49 L |
| ₹1,000/month | ₹2.32 L | ₹5.05 L | ₹9.99 L | ₹18.98 L |
| ₹2,000/month | ₹4.65 L | ₹10.09 L | ₹19.98 L | ₹37.95 L |
| ₹5,000/month | ₹11.62 L | ₹25.23 L | ₹49.96 L | ₹94.88 L |
| ₹10,000/month | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹1.90 Cr |
| ₹12,500/month (80C ceiling) | ₹29.04 L | ₹63.07 L | ₹1.25 Cr | ₹2.37 Cr |
| ₹15,000/month | ₹34.85 L | ₹75.69 L | ₹1.50 Cr | ₹2.85 Cr |
| ₹20,000/month | ₹46.47 L | ₹1.01 Cr | ₹2.00 Cr | ₹3.80 Cr |
| ₹25,000/month | ₹58.08 L | ₹1.26 Cr | ₹2.50 Cr | ₹4.74 Cr |
| ₹50,000/month | ₹1.16 Cr | ₹2.52 Cr | ₹5.00 Cr | ₹9.49 Cr |
Illustrative at 12% annual returns. Actual mutual fund returns vary and are not guaranteed.
Read across any row. The jump from 10 to 15 years is large. The jump from 20 to 25 years is enormous — often bigger than everything that came before it. That is compounding: it contributes almost nothing in the early years and almost everything in the late ones.
Which means the single most valuable decision is not choosing the perfect fund or the perfect amount. It is starting now and not stopping.
Start with an amount you can sustain through a bad year without stopping. Consistency beats size — a small SIP maintained for 20 years outperforms a large one abandoned after five.
Yes, and most fund platforms offer an automatic step-up option that raises your SIP by a set percentage each year. Increasing 10% annually as your salary grows compounds noticeably over long periods.
Related: SIP Calculator · Lumpsum Calculator · SIP Beginner's Guide · ELSS vs PPF vs FD
The official pages this page is checked against. If one of them disagrees with us, it wins.
Written and checked by the PaisaSamajh editorial desk · Last reviewed: 24 August 2026 · How we check this →