SIP of ₹1K/month for 10 Years at 15% Expected Return
Total Corpus
₹2,78,657
Invested
₹1,20,000
Returns Gained
+132.2%
SIP Calculator
Adjust sliders or enter values to estimate your SIP returns
Total Corpus
after 10 years
Invested Amount
₹0
Est. Returns
₹0
Wealth Gained
0%
returns on total investment
Wealth Breakdown
Total Invested
Your monthly SIP contributions
₹1,20,000
43.1%
Estimated Returns
Wealth gained via compounding
₹1,58,657
56.9%
Total Corpus
Final value at maturity
₹2,78,657
100%
Insights
Wealth Multiplier
+132.2% returns
Your ₹1,20,000 invested grows to ₹2,78,657
Daily Investment
₹33/day
That's just ₹33 per day to build a ₹2,78,657 corpus
One More Year
+₹57,817
Investing for 11 years instead of 10 adds ₹57,817 to your corpus
Better Returns Matter
₹72,105 more
At 15% vs 10%, you earn ₹72,105 extra over 10 years
₹1 Crore Goal
₹35,886/mo
To reach ₹1 Crore in 10 years at 15%, you need ₹35,886/month
About This SIP Calculation
Investing ₹1K every month through SIP for 10 years at an expected 15% annual return builds a corpus of ₹2,78,657. Your total investment of ₹1,20,000 generates estimated returns of ₹1,58,657 — a wealth gain of 132.2%. Compounding accelerates sharply in the later years: roughly 40% of the final corpus is created in the last quarter of the investment period. Starting ₹1K/month 3 years earlier at the same rate can add over ₹5,400 more to your final corpus. Equity mutual funds at 15% returns fall under LTCG rules — gains above ₹1 lakh per year are taxed at 10% with no indexation benefit. Investing in direct plans rather than regular plans typically saves 0.5–1% annually in expense ratio, compounding to a significant difference over 10 years.
Year-by-Year Growth
How your SIP corpus grows each year
Total Months
120
| Year | Invested | Returns | Corpus |
|---|---|---|---|
| Year 1 | ₹12,000 | ₹1,021 | ₹13,021 |
| Year 2 | ₹24,000 | ₹4,135 | ₹28,135 |
| Year 3 | ₹36,000 | ₹9,679 | ₹45,679 |
| Year 4 | ₹48,000 | ₹18,044 | ₹66,044 |
| Year 5 | ₹60,000 | ₹29,682 | ₹89,682 |
| Year 6 | ₹72,000 | ₹45,120 | ₹1,17,120 |
| Year 7 | ₹84,000 | ₹64,968 | ₹1,48,968 |
| Year 8 | ₹96,000 | ₹89,937 | ₹1,85,937 |
| Year 9 | ₹1,08,000 | ₹1,20,848 | ₹2,28,848 |
| Year 10 | ₹1,20,000 | ₹1,58,657 | ₹2,78,657 |
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* Affiliate disclosure: FincalcX may earn a commission if you invest via these links. All returns shown are estimates based on historical averages. Mutual fund investments are subject to market risks.