Investing

Perpetual SIP Calculator

10,000
₹1k₹1L₹2L
12% p.a.
4%14%24%
10 Years Value

23,23,391

20 Years Value

99,91,479

30 Years Value

3,52,99,138

40 Years Value

11,88,24,202

Exponential Wealth Compounding (Up to 40 Years)

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Indefinite SIP Compounding

FV = P * [ (1 + i)^n - 1 ] / i

Evaluates the exponential compounding value of a SIP running without a fixed target end date.

Worked Example: ₹10,000 monthly SIP at 12% returns

10 Yrs Value: **₹23.2 Lakhs**. 20 Yrs Value: **₹99.9 Lakhs**. 30 Yrs Value: **₹3.53 Crores**. 40 Yrs Value: **₹11.89 Crores**.

Perpetual SIP: Harnessing the True Power of Infinite Compounding

When Rahul started his SIP at 25, he left the tenure column blank, opting for a 'Perpetual' plan. "I'll just let it run until I need it," he decided. He automated ₹10,000/month into an equity index fund.

The timeline shows the exponential nature of compounding. At 10 years, his corpus was ₹23.2 Lakhs. At 20 years, it crossed ₹99.9 Lakhs. By Year 30, it grew to ₹3.53 Crores. And by Year 40, as he reached 65, his perpetual SIP compounded to a massive ₹11.89 Crores.

The magic happens in the final decade, where the curve starts rising vertically. In the early years, returns look slow. But if you give compounding time, the returns on your returns dwarf your original principal contributions.

Perpetual SIPs are excellent for long-term wealth building because they remove the arbitrary end dates that force investors to exit prematurely. Start early, automate the plan, and let the clock do the heavy lifting for your portfolio.

Frequently Asked Questions

What is a perpetual SIP?

A perpetual SIP is a mutual fund mandate where you do not specify an end date. The SIP continues to deduct investments monthly until you manually request the AMC or bank to stop it.

How long can a perpetual SIP run?

It can run indefinitely. It is designed for long-term investors who want to automate wealth creation without the need to renew investment mandates periodically.

Is it safe to leave an SIP running perpetually?

Yes, it is safe. You retain full control and can stop, pause, or modify the SIP online within 1-2 business days. It simply removes the arbitrary maturity dates that can cause you to stop investing.

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