Is ₹7,500 SIP enough for 30 years?

A ₹7,500/month SIP for 30 years projects to roughly ₹2,64,74,353 at 12% annual return. For long-term goals, stepping up the SIP each year typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched.

What if I extend the SIP beyond 30 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base.

Is ₹7,500 SIP enough for 30 years?

It depends on your goal. A ₹7,500/month SIP for 30 years projects to roughly ₹2,64,74,353 at 12% annual return. For long-term goals like retirement or a child's education, increasing the SIP every year (step-up) typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number so you're not disappointed if markets underperform.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown. SIPs reduce timing risk via rupee-cost averaging, but they do not eliminate market risk.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched. Most fund houses and apps support automatic step-up SIPs.

What if I extend the SIP beyond 30 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base. Extending by even 5 years can meaningfully change the final corpus.

Open the full SIP calculator

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SIP scenario · India

SIP Calculator: ₹7,500/month for 30 years

If you invest ₹7,500/month for 30 years, you could build ₹2.6Cr — assuming a 12% annual return.

Projected future value

₹2,64,74,353

Total invested

₹27,00,000

Estimated gains

₹2,37,74,353

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Growth over time

Invested vs Gains

Your money could grow 9.8× in 30 years

That's compounding doing its quiet work in the background — month after month.

In today's purchasing power

At ~6% inflation, ₹2,64,74,353 in 30 years is worth roughly ₹46,09,453 in today's money.

Year-by-year breakdown

How ₹7,500/month compounds at 12% annual return.

Year	Invested	Gains	Total value
0	₹0	₹0	₹0
1	₹90,000	₹6,070	₹96,070
2	₹1,80,000	₹24,324	₹2,04,324
3	₹2,70,000	₹56,307	₹3,26,307
4	₹3,60,000	₹1,03,761	₹4,63,761
5	₹4,50,000	₹1,68,648	₹6,18,648
6	₹5,40,000	₹2,53,178	₹7,93,178
7	₹6,30,000	₹3,59,842	₹9,89,842
8	₹7,20,000	₹4,91,449	₹12,11,449
9	₹8,10,000	₹6,51,161	₹14,61,161
10	₹9,00,000	₹8,42,543	₹17,42,543
11	₹9,90,000	₹10,69,611	₹20,59,611
12	₹10,80,000	₹13,36,891	₹24,16,891
13	₹11,70,000	₹16,49,484	₹28,19,484
14	₹12,60,000	₹20,13,135	₹32,73,135
15	₹13,50,000	₹24,34,320	₹37,84,320
16	₹14,40,000	₹29,20,336	₹43,60,336
17	₹15,30,000	₹34,79,406	₹50,09,406
18	₹16,20,000	₹41,20,794	₹57,40,794
19	₹17,10,000	₹48,54,941	₹65,64,941
20	₹18,00,000	₹56,93,609	₹74,93,609
21	₹18,90,000	₹66,50,057	₹85,40,057
22	₹19,80,000	₹77,39,219	₹97,19,219
23	₹20,70,000	₹89,77,930	₹1,10,47,930
24	₹21,60,000	₹1,03,85,154	₹1,25,45,154
25	₹22,50,000	₹1,19,82,263	₹1,42,32,263
26	₹23,40,000	₹1,37,93,340	₹1,61,33,340
27	₹24,30,000	₹1,58,45,522	₹1,82,75,522
28	₹25,20,000	₹1,81,69,385	₹2,06,89,385
29	₹26,10,000	₹2,07,99,387	₹2,34,09,387
30	₹27,00,000	₹2,37,74,353	₹2,64,74,353

How a ₹7,500 SIP grows over 30 years

By investing ₹7,500 every month for 30 years, you contribute a total of ₹27,00,000. Assuming an average return of 12% per year — typical for Indian equity mutual funds over long horizons — the corpus compounds to about ₹2,64,74,353. Roughly ₹2,37,74,353 of that is pure compounding gain.

The power of compounding

Compounding is when your returns start earning returns of their own. In a SIP, every monthly contribution gets its own runway to grow. The contributions you make in the first 5 years usually generate the most lifetime growth — simply because they have the longest time to compound.

Why long-term horizons matter

Most of the gain in a long SIP arrives in the final stretch. In a 30-year plan, the last 5 years often contribute more growth than the first 20 combined, because compounding works on a much larger base by then. Staying invested through market noise is what separates great outcomes from average ones.

Tip: increase your SIP every year

Even a 5–10% yearly step-up — matched to your salary hike — meaningfully outperforms a flat SIP. Try the full SIP calculator to see what step-up does to this scenario.

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