Enter your monthly SIP amount
What is a SIP Calculator?
SIP Corpus Quick Reference (12% expected return)
| Monthly SIP | 5 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,02,146 | ₹9,99,148 | ₹18,97,840 |
| ₹2,000 | ₹1,64,971 | ₹4,64,678 | ₹10,04,292 | ₹19,98,296 | ₹37,95,680 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,10,730 | ₹49,95,740 | ₹94,89,199 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,21,459 | ₹99,91,479 | ₹1.90 Cr |
Power of Starting Early (₹5,000/month at 12%)
| Start Age | Years Invested | Total Invested | Corpus at 60 |
|---|---|---|---|
| 25 | 35 years | ₹21 lakh | ₹1.76 crore |
| 30 | 30 years | ₹18 lakh | ₹99.9 lakh |
| 35 | 25 years | ₹15 lakh | ₹56.1 lakh |
| 40 | 20 years | ₹12 lakh | ₹30.2 lakh |
Starting at 25 vs 40 — same ₹5,000/month — gives 5.8x more corpus. Time is the biggest multiplier in investing.
How is SIP Return Calculated?
Where FV = Future Value (corpus), P = Monthly SIP amount, r = Monthly interest rate (annual rate ÷ 12), n = Total number of months.
Example — ₹5,000/month for 10 years at 12%
r = 12% ÷ 12 = 1% per month = 0.01. n = 10 × 12 = 120 months. FV = 5000 × [((1.01)¹²⁰ − 1) / 0.01] × 1.01 = approximately ₹11.6 lakh.
Wealth Ratio
Wealth ratio = Total corpus ÷ Total invested. A ratio of 2× means your money doubled. At 12% for 15 years, wealth ratio is typically 2.5–3×. At 20 years it crosses 4×.
Example Calculation
Frequently Asked Questions
At 12% expected return, ₹5,000/month SIP for 15 years gives approximately ₹25.1 lakh. Total invested: ₹9 lakh. Returns: ₹16.1 lakh. Mutual fund returns are market-linked and not guaranteed.
For long-term (7+ years): yes. ₹5,000/month for 15 years: SIP at 12% = ₹25.1 lakh vs FD at 7% = ₹15.5 lakh. For short-term (under 3 years): FD is safer.
Most mutual fund SIPs start at ₹100-500/month. Starting with even ₹500/month is better than waiting.
Use 10-12% for long-term equity fund projections based on historical Nifty 50 returns. Use 6-7% for debt funds. Be conservative — 15%+ is unrealistic for planning.
Yes — SIP can be paused or stopped anytime without penalty. If you need funds temporarily, consider reducing amount rather than stopping completely.
Related Calculators
Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.