Finance question
How much will my SIP be worth after 10, 15 or 20 years?
Last updated 2026-09-17
Quick answer
At an assumed 12%, ₹10,000 a month is about ₹23 lakh in 10 years, ₹50 lakh in 15, and ₹1 crore in 20 in this site’s SIP formula. Lower the rate in the calculator if you want a conservative picture. These are not NAVs and not promises.
Calculate your numbers
Tables below use stated assumptions. Change rate, tenure or income in the calculator for your case.
Open SIPRead invested vs corpus
₹10,000 × 12 × 20 = ₹24 lakh invested. If the model shows ~₹1 crore, most of the gap is assumed compounding. If markets deliver 8%, the corpus will be closer to the 8% row you can generate in the tool.
Formula
Same SIP future-value formula as the calculator: monthly annuity with r = annual/12.
Example scenarios
Modelled corpus at 12% assumed annual return
| Monthly SIP | 10 years | 15 years | 20 years |
|---|---|---|---|
| ₹1,000 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 |
| ₹5,000 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹20,000 | ₹46,46,782 | ₹1,00,91,520 | ₹1,99,82,958 |
| ₹25,000 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 |
| ₹50,000 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,396 |
12% is an illustration. Use the SIP calculator for 8%, 10% or any other assumption.
What changes the answer
- Monthly amount
- Years
- Assumed return
- Missed SIPs and expense ratio
Things to consider
- Inflation over 20 years will shrink purchasing power of the corpus.
- 12% annualised, monthly compounding SIP formula, no tax.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
FAQs
Day-count, when the SIP is allotted, and the exact compounding convention differ. Directionally they should be close.