What SIP builds a ₹2.5 crore retirement corpus in 20 years?
To reach ₹2,50,00,000 in 20 years at an assumed 12% annual return, you would need to invest about ₹25,021 a month — ₹60,05,117 invested in total, with ₹1,89,94,883 in estimated returns making up the rest.
How this grows over time
What is a SIP calculator?
A SIP (Systematic Investment Plan) calculator estimates the future value of regular monthly investments in a mutual fund, based on an assumed annual rate of return, compounded monthly. It helps you compare how invested amount versus estimated returns build up over time.
Two ways to use this calculator
Most SIP calculators only work one way: enter a monthly amount, see what it grows to. This one also works backward — switch to "I have a target amount" and enter a goal (say, ₹50 lakh for a down payment, or ₹1 crore for retirement), and it tells you the monthly SIP required to get there in your chosen time period. Both modes use the exact same underlying formula, run in whichever direction answers your actual question.
Why the numbers are estimates, not guarantees
The "expected return" you enter is an assumption, not a promise — mutual fund returns vary year to year, and this calculator assumes a smooth, constant rate throughout, which real markets never quite deliver. Use it to compare scenarios and set a realistic target, not as a guaranteed outcome. A commonly used long-term assumption for equity mutual funds is 10-12% annually, though your own fund's actual category and history matter more than any single rule of thumb.