Pre-filled with ₹5,000/month — adjust if needed
₹5,000 Per Month SIP — The Middle-Class Wealth Builder
₹5,000 per month is the most popular SIP amount among salaried professionals in India — typically representing 5–10% of monthly take-home for someone earning ₹50,000–₹1 lakh/month. It's the amount most financial planners recommend as a starting SIP for someone in their late 20s or early 30s.
At this SIP amount, the 20-year milestone is significant — crossing ₹50 lakh is achievable at 12% returns. For retirement planning, combining ₹5,000/month SIP with a 10% annual step-up creates a corpus exceeding ₹3 crore over 25 years.
₹5,000/month SIP — Returns by Duration
At 12% annual return
5 years: ₹4.06L. 10 years: ₹11.6L. 15 years: ₹25.2L. 20 years: ₹49.9L. 25 years: ₹94.9L. 30 years: ₹1.76 Cr.
Example Calculation
Frequently Asked Questions
₹5,000/month SIP for 10 years at 12% annual return grows to approximately ₹11.6 lakh. You invest ₹6 lakh total and earn ₹5.6 lakh in returns — nearly doubling your money in 10 years.
₹5,000/month for 20 years at 12% grows to approximately ₹49.9 lakh. Total investment is ₹12 lakh, returns are ₹37.9 lakh. Wealth ratio: 4.2×.
₹5,000/month for 30 years at 12% grows to approximately ₹1.76 crore. You invest ₹18 lakh and compounding creates ₹1.58 crore in returns — a 9.8× wealth ratio.
It's a solid start. ₹5,000/month for 25 years at 12% gives ₹94.9 lakh — good but not sufficient for most retirement plans. Adding a 10% annual step-up takes this to ₹2.5+ crore. Combine with EPF and PPF for a complete retirement plan.
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.