SIP for 10 years
Over 10 years at 12% a year, ₹10,000 a month projects to ₹23,23,391 — ₹12,00,000 of your money and ₹11.23 L from compounding, which is 48% of the total. The table below covers every common instalment.
Your 10-year SIP
What leaves your bank account every month. Type any amount — the slider is just a shortcut.
An assumption, not a promise. Equity funds are usually modelled at 10–12%; see what rate to assume.
Set 0 to switch the "today’s money" column off. India’s CPI has averaged close to 6% over the past decade; the RBI targets 4% with a 2-point band.
What it becomes
What you investWhat compounding addsValue in today’s money
| Year | Monthly | Invested so far | Returns | Value at year end | In today’s money |
|---|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹8,093 | ₹1,28,093 | ₹1,20,843 |
| 2 | ₹10,000 | ₹2,40,000 | ₹32,432 | ₹2,72,432 | ₹2,42,464 |
| 3 | ₹10,000 | ₹3,60,000 | ₹75,076 | ₹4,35,076 | ₹3,65,299 |
| 4 | ₹10,000 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 | ₹4,89,790 |
| 5 | ₹10,000 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 | ₹6,16,386 |
| 6 | ₹10,000 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 | ₹7,45,545 |
| 7 | ₹10,000 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 | ₹8,77,736 |
| 8 | ₹10,000 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 | ₹10,13,438 |
| 9 | ₹10,000 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 | ₹11,53,145 |
| 10 | ₹10,000 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 | ₹12,97,369 |
Ten years is where equity starts to make sense
Ten years is roughly the threshold at which an equity SIP becomes a reasonable default rather than a gamble. Long enough to contain at least one full market cycle, and long enough that compounding has started to matter.
At ₹10,000 a month it projects to ₹23,23,391, of which 48% is compounding rather than your money. Compare that with a five-year term, where the equivalent share is only 27%.
That shift is the real difference between the two horizons. At five years you are essentially saving with a return on top. At ten, the return is becoming the point.
Worth knowing what ten years does not fix: it does not remove the possibility of arriving at year ten in a drawdown. A common approach is to shift the money progressively into debt over the final two or three years, so the outcome is not decided by the market in the month you need it.
Every monthly amount over 10 years
Same 10-year term, different instalments, all at 12% a year.
| Monthly | You invest | Projected value | In today’s money |
|---|---|---|---|
| ₹1,000 | ₹1,20,000 | ₹2,32,339 | ₹1.3 L |
| ₹2,000 | ₹2,40,000 | ₹4,64,678 | ₹2.59 L |
| ₹5,000 | ₹6,00,000 | ₹11,61,695 | ₹6.49 L |
| ₹10,000 | ₹12,00,000 | ₹23,23,391 | ₹12.97 L |
| ₹15,000 | ₹18,00,000 | ₹34,85,086 | ₹19.46 L |
| ₹25,000 | ₹30,00,000 | ₹58,08,477 | ₹32.43 L |
| ₹50,000 | ₹60,00,000 | ₹1,16,16,954 | ₹64.87 L |
Questions people actually ask
How much will I have after 10 years of SIP?
At 12% a year: ₹11,61,695 from ₹5,000 a month, ₹23,23,391 from ₹10,000, and ₹58,08,477 from ₹25,000. The full table is above.
These are projections from a rate you chose, not forecasts. Run them three points lower before relying on them.
Is 10 years long enough for equity?
Generally yes. 10 years contains multiple market cycles, which is what equity needs to work as intended.
The usual refinement is to shift progressively into debt over the final two or three years, so the outcome is not decided by whatever the market does in the month you need the money.
What is a 10-year SIP worth after inflation?
At 6% inflation, the ₹10,000-a-month projection of ₹23,23,391 is worth about ₹12.97 L in today's money.
Over 10 years that gap is 44% of the headline figure, which is why any long-horizon plan should be read in real terms.