SIP Calculator for 10 Years
10 years is where SIP compounding starts showing meaningful results. At the 10-year mark, your returns begin approaching or exceeding your total invested amount.
₹5,000/month · 10 years · 12% p.a.
₹11.62 L
Invested: ₹6.00 L · Gains: ₹5.62 L
Returns at Different Annual Rates (10 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹6.00 L | ₹4.33 L | ₹10.33 L |
| 12% (Moderate) | ₹6.00 L | ₹5.62 L | ₹11.62 L |
| 15% (Optimistic) | ₹6.00 L | ₹7.93 L | ₹13.93 L |
Estimates only. Past performance does not guarantee future returns.
₹5,000/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹3.00 L | ₹3.90 L | ₹4.12 L | ₹4.48 L |
| 10 yrs ★ | ₹6.00 L | ₹10.33 L | ₹11.62 L | ₹13.93 L |
| 15 yrs | ₹9.00 L | ₹20.90 L | ₹25.23 L | ₹33.84 L |
| 20 yrs | ₹12.00 L | ₹38.28 L | ₹49.96 L | ₹75.80 L |
| 25 yrs | ₹15.00 L | ₹66.89 L | ₹94.88 L | ₹1.64 cr |
| 30 yrs | ₹18.00 L | ₹1.14 cr | ₹1.76 cr | ₹3.50 cr |
★ marks your selected tenure above.
Frequently Asked Questions
How much does ₹5,000/month SIP grow in 10 years?
At 12% annual returns, ₹5,000/month for 10 years grows to approximately ₹11.62 lakhs. Total invested is ₹6 lakhs, with ₹5.62 lakhs from returns — showing compounding starting to kick in.
What is a good 10-year SIP amount for a ₹1 crore goal?
To accumulate ₹1 crore in 10 years at 12% annual returns, you need approximately ₹43,000/month. At 15% returns, approximately ₹36,000/month. If the amounts seem high, starting earlier with a longer horizon is the better strategy.
Which funds perform best over a 10-year SIP horizon?
Historically, flexi-cap, mid-cap, and large-and-mid-cap funds have shown strong 10-year CAGR of 12–16%. Index funds tracking Nifty 50 or Nifty 500 are consistent, low-cost alternatives that beat most actively managed funds over 10 years.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
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