₹1,000 SIP per month
A ₹1,000 monthly SIP at 12% a year grows to ₹2,32,339 in 10 years and ₹9,99,148 in 20 — from ₹2,40,000 of your own money. The calculator below is pre-filled at ₹1,000; the table shows every term at once.
Your ₹1,000 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 | ₹1,000 | ₹12,000 | ₹809 | ₹12,809 | ₹12,084 |
| 2 | ₹1,000 | ₹24,000 | ₹3,243 | ₹27,243 | ₹24,246 |
| 3 | ₹1,000 | ₹36,000 | ₹7,508 | ₹43,508 | ₹36,530 |
| 4 | ₹1,000 | ₹48,000 | ₹13,835 | ₹61,835 | ₹48,979 |
| 5 | ₹1,000 | ₹60,000 | ₹22,486 | ₹82,486 | ₹61,639 |
| 6 | ₹1,000 | ₹72,000 | ₹33,757 | ₹1,05,757 | ₹74,555 |
| 7 | ₹1,000 | ₹84,000 | ₹47,979 | ₹1,31,979 | ₹87,774 |
| 8 | ₹1,000 | ₹96,000 | ₹65,527 | ₹1,61,527 | ₹1,01,344 |
| 9 | ₹1,000 | ₹1,08,000 | ₹86,822 | ₹1,94,822 | ₹1,15,315 |
| 10 | ₹1,000 | ₹1,20,000 | ₹1,12,339 | ₹2,32,339 | ₹1,29,737 |
| 11 | ₹1,000 | ₹1,32,000 | ₹1,42,615 | ₹2,74,615 | ₹1,44,664 |
| 12 | ₹1,000 | ₹1,44,000 | ₹1,78,252 | ₹3,22,252 | ₹1,60,149 |
| 13 | ₹1,000 | ₹1,56,000 | ₹2,19,931 | ₹3,75,931 | ₹1,76,251 |
| 14 | ₹1,000 | ₹1,68,000 | ₹2,68,418 | ₹4,36,418 | ₹1,93,028 |
| 15 | ₹1,000 | ₹1,80,000 | ₹3,24,576 | ₹5,04,576 | ₹2,10,542 |
| 16 | ₹1,000 | ₹1,92,000 | ₹3,89,378 | ₹5,81,378 | ₹2,28,857 |
| 17 | ₹1,000 | ₹2,04,000 | ₹4,63,921 | ₹6,67,921 | ₹2,48,042 |
| 18 | ₹1,000 | ₹2,16,000 | ₹5,49,439 | ₹7,65,439 | ₹2,68,167 |
| 19 | ₹1,000 | ₹2,28,000 | ₹6,47,325 | ₹8,75,325 | ₹2,89,306 |
| 20 | ₹1,000 | ₹2,40,000 | ₹7,59,148 | ₹9,99,148 | ₹3,11,539 |
What ₹1,000 a month — about ₹33 a day — builds
₹1,000 a month is roughly ₹33 a day. Framed that way it is a coffee, and framed over twenty years it is ₹9,99,148 from ₹2,40,000 of your own money.
This is the classic first-job amount, and it is worth being clear about what it does and does not achieve. It will not fund a retirement on its own. What it does is prove the mechanism to you — after three or four years you will have watched a balance grow through at least one bad market, which is experience no amount of reading substitutes for.
The most valuable thing about starting at ₹1,000 is not the ₹1,000. It is that the mandate, the folio and the habit already exist when your income doubles, so raising the amount is a two-minute change rather than a decision you keep postponing. The cost of waiting calculator prices that postponement.
₹1,000 a month over every term
Same instalment, different patience. The fourth column is the share of the final figure that came from compounding rather than from you.
| Term | You invest | Projected value | From compounding | In today’s money |
|---|---|---|---|---|
| 5 years | ₹60,000 | ₹82,486 | 27% | ₹61.64K |
| 10 years | ₹1,20,000 | ₹2,32,339 | 48% | ₹1.3 L |
| 15 years | ₹1,80,000 | ₹5,04,576 | 64% | ₹2.11 L |
| 20 years | ₹2,40,000 | ₹9,99,148 | 76% | ₹3.12 L |
| 25 years | ₹3,00,000 | ₹18,97,635 | 84% | ₹4.42 L |
| 30 years | ₹3,60,000 | ₹35,29,914 | 90% | ₹6.15 L |
Questions people actually ask
Is ₹1,000 a month enough?
Enough for what, and by when — the instalment alone cannot answer it. ₹1,000 a month reaches ₹2,32,339 in 10 years and ₹9,99,148 in 20, so the same amount is either modest or substantial depending purely on the term.
Work backwards from the goal instead with the goal planner, which tells you the instalment your target actually needs.
What will ₹1,000 a month be worth after inflation?
Over 20 years at 6% inflation, the ₹9,99,148 projection is worth about ₹3.12 L in today's money.
That is the figure to plan against. The last column of the table above shows it for every term, and the inflation calculator puts it front and centre.
Should I increase a ₹1,000 SIP over time?
Yes — it is the single highest-leverage change available. Raised 10% a year, ₹1,000 a month over 20 years reaches ₹19,88,872 instead of ₹9,99,148.
A flat instalment also shrinks in real terms every year, so increasing with inflation is the minimum needed just to hold your position. See the step-up calculator.