LiveEveryday · Money

SIP planner

See what a monthly investment grows into — or how much you need each month to reach a goal.

In 20 years you could have₹99.9 Lfrom ₹10,000 a month

Year 1Growth speeds up at the endYear 20

Every month₹10,000

Expected return (yearly)12%

Years20

Raise the amount every year byno step-up

You put in₹24.0 L

It earns₹75.9 L

Final amount₹99.9 L

In today’s money₹31.2 L

76% of the final amount is growth, not money you put in — and most of it arrives in the last few years. Starting 5 years earlier matters more than a bigger amount later.

money you put ingrowthAssumes a steady return and 6% inflation. Real returns go up and down — this is maths, not advice.

How it works

1Every month the amount is added, then the whole pot grows by the monthly return.
2A yearly step-up raises the monthly amount once a year, like a salary rise.
3It also shows the final amount in today’s money, at 6% inflation — the number that tells you what it will actually buy.

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