Project the corpus a monthly SIP compounds to, with an optional annual step-up. See the result side-by-side with what it's worth in today's purchasing power, and how sensitive your plan is to return and tenure assumptions.
| ↓ Tenure / Return → | 8.0% | 11.0% | 14.0% |
|---|---|---|---|
| 15 yrs | ₹96.24 L | ₹1.20 cr | ₹1.53 cr |
| 20 yrs | ₹1.99 cr | ₹2.68 cr | ₹3.72 cr |
| 25 yrs | ₹3.86 cr | ₹5.61 cr | ₹8.51 cr |
The centred cell (20 years at 11.0%) is your current scenario. The neighbours show how much your plan moves with ±3 percentage points of return and ±5 years of tenure. A plan that falls apart in any of these cells is a fragile plan.
Returns compound monthly at the annual rate divided by 12. The annual step-up applies at the start of each new year, on top of the prior year's SIP. There's no rebalancing, no exit load, no expense ratio drag in the projection — bake those into your expected return assumption.
The default return of 11% is below the 25-year Nifty 500 TRI total return (~13.4%) on purpose — a single point estimate should sit closer to a realistic long draw than to a back-test best case.
The real-value column deflates the nominal corpus at 6% annual inflation (the RBI flexible inflation target). ₹1 crore in 20 years buys roughly ₹31 lakh worth of today's shopping basket. Plan against the real-value column.
Taxes are not subtracted — at withdrawal, LTCG on equity above ₹1 lakh attracts 10%, STCG 15%. Long-horizon SIPs are typically dominated by LTCG units.
Full methodology · constants reviewed January 2026.
Educational projection only. MintByte is an AMFI-registered mutual fund distributor (ARN-314872); SEBI Registered Investment Adviser and Research Analyst registrations are in process and any advisory language is gated to those approvals. Not investment advice.