₹10,000 SIP per month
A ₹10,000 monthly SIP at 12% a year grows to ₹23,23,391 in 10 years and ₹99,91,479 in 20 — from ₹24,00,000 of your own money. The calculator below is pre-filled at ₹10,000; the table shows every term at once.
Your ₹10,000 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 | ₹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 |
| 11 | ₹10,000 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 | ₹14,46,637 |
| 12 | ₹10,000 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 | ₹16,01,495 |
| 13 | ₹10,000 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 | ₹17,62,512 |
| 14 | ₹10,000 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 | ₹19,30,281 |
| 15 | ₹10,000 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 | ₹21,05,419 |
| 16 | ₹10,000 | ₹19,20,000 | ₹38,93,782 | ₹58,13,782 | ₹22,88,574 |
| 17 | ₹10,000 | ₹20,40,000 | ₹46,39,208 | ₹66,79,208 | ₹24,80,420 |
| 18 | ₹10,000 | ₹21,60,000 | ₹54,94,392 | ₹76,54,392 | ₹26,81,669 |
| 19 | ₹10,000 | ₹22,80,000 | ₹64,73,254 | ₹87,53,254 | ₹28,93,064 |
| 20 | ₹10,000 | ₹24,00,000 | ₹75,91,479 | ₹99,91,479 | ₹31,15,390 |
The amount that reaches ₹1 crore
₹10,000 a month at 12% crosses ₹1 crore in about 20.1 years — 241 instalments. Over 20 years it reaches ₹99,91,479.
This is the amount where the arithmetic starts feeling like it is on your side. You invest ₹24 L over those 20 years, and compounding adds ₹75.91 L — more than twice what you put in.
It is also the level at which two things start to matter that did not before:
- Tax planning becomes worth the effort. A ₹10,000 SIP running for years will eventually generate long-term gains well past the ₹1.25 lakh annual exemption on redemption. Using that allowance each year, rather than letting it lapse, is real money. See SIP taxation in India.
- Expense ratios stop being rounding errors. One percentage point of annual cost on this instalment over 20 years is about ₹12.56 L.
The crorepati calculator shows the full amount-versus-time trade-off for that target.
₹10,000 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 | ₹6,00,000 | ₹8,24,864 | 27% | ₹6.16 L |
| 10 years | ₹12,00,000 | ₹23,23,391 | 48% | ₹12.97 L |
| 15 years | ₹18,00,000 | ₹50,45,760 | 64% | ₹21.05 L |
| 20 years | ₹24,00,000 | ₹99,91,479 | 76% | ₹31.15 L |
| 25 years | ₹30,00,000 | ₹1,89,76,351 | 84% | ₹44.21 L |
| 30 years | ₹36,00,000 | ₹3,52,99,138 | 90% | ₹61.46 L |
Questions people actually ask
Is ₹10,000 a month enough?
Enough for what, and by when — the instalment alone cannot answer it. ₹10,000 a month reaches ₹23,23,391 in 10 years and ₹99,91,479 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 ₹10,000 a month be worth after inflation?
Over 20 years at 6% inflation, the ₹99,91,479 projection is worth about ₹31.15 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 ₹10,000 SIP over time?
Yes — it is the single highest-leverage change available. Raised 10% a year, ₹10,000 a month over 20 years reaches ₹1,98,88,715 instead of ₹99,91,479.
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.