Rs 5,000 Monthly SIP with 10% Annual Step-Up over 25 Years
A Rs 5,000 monthly SIP that increases by 10% every year, over a 25 year horizon at 12% expected return, showing how step-up compounds the final corpus.
A ₹5,000/month SIP at 12% expected return over 25 years projects to a nominal corpus of ₹2,13,77,731.
- Monthly investment
- ₹5,000
- Expected return
- 12% p.a.
- Tenure
- 25 years
- Frequency
- monthly
- Annual step-up
- 10%
Nominal corpus
12% p.a.₹2.14 Crores
₹2,13,77,731
after 25 years
Total invested
₹59.01 Lakhs
₹59,00,824
Total gains
₹1.55 Crore
₹1,54,76,907
+262% gain
Start 1 year later instead of today & your final corpus drops by ₹29,65,921 (14%).
Start 2 years later instead of today & your final corpus drops by ₹55,47,130 (26%).
Start 5 years later instead of today & your final corpus drops by ₹1,14,33,373 (53%).
Pause this SIP for 6 months, and it costs you at the end.
| Tenure \ Return | 10% | 11% | 12% | 13% | 14% |
|---|---|---|---|---|---|
| 15 yr | ₹37.19L | ₹40.15L | ₹43.42L | ₹47.04L | ₹51.05L |
| 20 yr | ₹80.73L | ₹89.46L | ₹99.44L | ₹1.11Cr | ₹1.24Cr |
| 25 yr | ₹1.64Cr | ₹1.87Cr | ₹2.14Cr | ₹2.46Cr | ₹2.84Cr |
| 30 yr | ₹3.21Cr | ₹3.75Cr | ₹4.42Cr | ₹5.24Cr | ₹6.25Cr |
| 35 yr | ₹6.1Cr |
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Assumes a constant 12% annual return, compounded at the monthly SIP frequency, applied uniformly across the tenure. Actual mutual fund returns fluctuate with the market and are never guaranteed.