SIP of ₹1K/month for 10 Years at 10% Expected Return
Total Corpus
₹2,06,552
Invested
₹1,20,000
Returns Gained
+72.1%
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
58.1%
Estimated Returns
Wealth gained via compounding
₹86,552
41.9%
Total Corpus
Final value at maturity
₹2,06,552
100%
Insights
Wealth Multiplier
+72.1% returns
Your ₹1,20,000 invested grows to ₹2,06,552
Daily Investment
₹33/day
That's just ₹33 per day to build a ₹2,06,552 corpus
One More Year
+₹34,299
Investing for 11 years instead of 10 adds ₹34,299 to your corpus
Better Returns Matter
₹22,386 more
At 10% vs 8%, you earn ₹22,386 extra over 10 years
₹1 Crore Goal
₹48,414/mo
To reach ₹1 Crore in 10 years at 10%, you need ₹48,414/month
About This SIP Calculation
Investing ₹1K every month through SIP for 10 years at an expected 10% annual return builds a corpus of ₹2,06,552. Your total investment of ₹1,20,000 generates estimated returns of ₹86,552 — a wealth gain of 72.1%. Compounding accelerates sharply in the later years: roughly 35% 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 ₹3,600 more to your final corpus. Debt funds targeting 10% returns are taxed at your income slab rate on gains. 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 | ₹670 | ₹12,670 |
| Year 2 | ₹24,000 | ₹2,667 | ₹26,667 |
| Year 3 | ₹36,000 | ₹6,130 | ₹42,130 |
| Year 4 | ₹48,000 | ₹11,212 | ₹59,212 |
| Year 5 | ₹60,000 | ₹18,082 | ₹78,082 |
| Year 6 | ₹72,000 | ₹26,929 | ₹98,929 |
| Year 7 | ₹84,000 | ₹37,958 | ₹1,21,958 |
| Year 8 | ₹96,000 | ₹51,399 | ₹1,47,399 |
| Year 9 | ₹1,08,000 | ₹67,504 | ₹1,75,504 |
| Year 10 | ₹1,20,000 | ₹86,552 | ₹2,06,552 |
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