Goal-led plan
How Much SIP for ₹50 Lakh in 15 Years?
A ₹50 lakh target over 15 years suits goals like higher education or a second home. We assume balanced equity exposure and a modest step-up to keep the number achievable.
Direct answer
₹10,997 / month
Assumes 11.0% p.a., monthly compounding, and 6% inflation for Reality check.
In today’s money: ₹20,37,412 target corpus.
This calculator provides estimates for planning purposes only.
Why these assumptions
Time, return, and inflation assumptions drive the result. If markets deliver less than 11.0%, the monthly number goes up. If you extend the timeline beyond 15 years, the required contribution or payout pressure drops.
Reality check keeps an inflation-adjusted line visible so you can judge purchasing power. No taxes or fees are included in these projections.
Adjust the scenario
Inputs are prefilled to match the question. Change return, timeline, or step-up to see how the monthly amount shifts.
SIP Calculator
Plan your SIP with inflation-aware numbers
Future value and today’s value, updated instantly. Step-up friendly, inflation aware, and ready to share.
Contributions
SIP + step-upMonthly SIP amount
More contribution = larger corpus
Returns & tenure
Reality check
Inflation keeps projections grounded. Default uses 6% per year.
Outcome
₹78,28,049 (78.3 L)
After 15 years at 11.0% p.a. with 8.0% yearly step-up.
Today's value: ₹31,89,792 (31.9 L) at 6.0% inflation.
Future value
₹78,28,049 (78.3 L)
Today’s value (inflation)
₹31,89,792 (31.9 L)
Total invested
₹35,83,102 (35.8 L)
Gain over invested
₹42,44,947 (42.4 L)
Loading chart…
How to read & safety notes
How to read this
- Future value shows what you might see in your statement at the end.
- Today’s value adjusts for inflation (default 6%) to keep expectations realistic.
- Step-up SIP means your monthly amount increases once every year.
- We assume monthly compounding; actual fund returns will vary.
What-if
Real-time comparison
Scenario A uses your main inputs. Add more scenarios with custom SIP, step-up, tenure, returns, and reality check. Compare all in one view.
Scenario A (base)
Future focus; reality check onFuture
₹78,28,049 (78.3 L)
Today
₹31,89,792 (31.9 L)
Meta
₹10,997 SIP • 8.0% step-up • 11.0% return • 15 yrs
Uses 6.0% inflation when on.
Future
₹29,94,070 (29.9 L)
Today
₹12,20,031 (12.2 L)
Future Δ vs A
-4833979
Today Δ vs A
-1969761
Comparator
Scenario A (base)
₹10,997 • 8.0% step-up • 11.0% return • 15 yrs • Today: 31.9 L
78.3 L future
Scenario B
₹5,000 • 5.0% step-up • 11.0% return • 15 yrs • Today: 12.2 L
29.9 L future (-4833979 vs A)
Today Δ: -1969761
Decision guidance
- Try a 5–10% annual step-up to ease the monthly burden.
- Lower return assumptions widen the gap—plan for that with a bigger SIP or longer horizon.
- Reality check shows today’s value of the goal; keep it on while planning.