A Systematic Investment Plan (SIP) allows investors to invest a fixed amount at regular intervals, supporting long-term wealth creation through disciplined investing and compounding.
Estimating the time required to reach a financial target forms an important part of personal financial planning.
SIP calculators are commonly used to project potential outcomes by using inputs such as investment amount, duration and an assumed rate of return.
An illustration using a ₹9,100 monthly SIP shows how investment tenure influences the final corpus.
A SIP calculator estimates the future value of investments based on three key inputs: monthly contribution, investment duration and expected annual rate of return.
The calculations are indicative and based on historical performance assumptions. Actual investment outcomes may differ depending on market conditions and fund performance.
For a monthly SIP contribution of ₹9,100, an assumed annual return of 12% has been used to illustrate different investment horizons.
| Investment Duration | Amount Invested (₹) | Estimated Returns (₹) | Projected Corpus (₹) |
| 5 Years | 5,46,000 | 2,04,626 | 7,50,626 |
| 10 Years | 10,92,000 | 10,22,286 | 21,14,286 |
| 15 Years | 16,38,000 | 29,53,642 | 45,91,642 |
| 20 Years | 21,84,000 | 69,08,246 | 90,92,246 |
The table indicates that a ₹9,100 monthly SIP, assuming a 12% annual return, may accumulate a corpus of around ₹90 lakh over a 20-year period.
Adjustments to the investment duration, expected returns or monthly contribution can materially change the projected outcome. Investors may tailor these inputs based on individual financial goals and risk preferences.
Read More: How Long a ₹7,500 Monthly SIP May Take to Build a ₹75 Lakh Corpus?
SIP calculators offer a structured way to estimate the time required to achieve long-term financial objectives. While this illustration suggests that a ₹9,100 monthly SIP could potentially grow to approximately ₹90 lakh over 20 years at a 12% assumed return, actual results will depend on market performance and should be reviewed periodically.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Feb 5, 2026, 3:23 PM IST
Neha Dubey
Neha Dubey is a Content Analyst with 3 years of experience in financial journalism, having written for a leading newswire agency and multiple newspapers. At Angel One, she creates daily content on finance and the economy. Neha holds a degree in Economics and a Master’s in Journalism.
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