Maturity Value
₹25,22,880
Total Invested
₹9,00,000
Estimated Returns
₹16,22,880
Monthly SIP
₹5,000
₹5,000 SIP for 15 Years Calculator
A ₹5,000 monthly SIP for 15 years at 12% returns grows to ₹25.23 lakh (₹9 lakh invested + ₹16.23 lakh returns).
Total Invested
₹6,00,000
Estimated Returns
₹5,61,695
Total Value
₹11,61,695
Investment Growth Breakdown
Year-by-Year Growth
| Year | Total Invested | Total Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
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What is the SIP Calculator?
A SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month. Your investment compounds over time, and because you buy more units when prices are low and fewer when prices are high, you benefit from rupee-cost averaging. This calculator projects the future value of your SIP using the standard annuity formula.
Formula
Maturity = M × [((1+r)^n − 1) / r] × (1+r)- M
- = Monthly investment (₹)
- r
- = Monthly return (annual ÷ 12 ÷ 100)
- n
- = Number of months
How to use the SIP Calculator
- 1
Enter your monthly SIP amount
Decide how much you can invest every month without straining your budget. Even ₹500/month in a Nifty 50 index fund is a valid start.
- 2
Enter your expected return rate
Use 11-13% for equity funds, 6-8% for debt funds, 8-11% for hybrid. These are historical averages — past performance does not guarantee future results.
- 3
Enter the investment tenure
SIPs work best over 7+ year horizons. The longer your tenure, the more dramatic the compounding effect.
- 4
Review your projected corpus
The calculator shows total invested, expected returns, and maturity value. Try different tenure/return combinations to see the range of outcomes.
- 5
Compare with goal-based targets
If you are planning for retirement or a house down payment, work backwards from your target corpus to find the monthly SIP amount you need.
Reviewed by
CalcHub Editorial Team
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Frequently asked questions
What is the expected return on a SIP in India?
Historical long-term returns for Indian equity mutual funds are 11-14% CAGR over 10+ year periods (based on Nifty 50 and BSE Sensex data). Debt mutual funds return 6-8%. Hybrid funds return 8-11%. These are pre-tax returns — equity funds held over 1 year attract 12.5% LTCG tax beyond ₹1.25 lakh per year (post July 2024 rules).
How much do I need to invest monthly to reach ₹1 crore?
At 12% expected returns, you need approximately ₹12,000 per month for 20 years, or ₹29,000 per month for 15 years, or ₹63,000 per month for 10 years. The longer your horizon, the more compounding does the heavy lifting. Start early — a 25-year-old investing ₹5,000/month till 60 will have ~₹2.8 crore at 12%.
Is SIP better than a lumpsum investment?
For volatile asset classes like equity, SIPs usually edge out lumpsum because of rupee-cost averaging and because most people do not have a large lumpsum sitting idle. However, if you DO have a lumpsum and the market is not at an all-time high, investing it in one go beats SIP about 65% of the time historically. For a risk-averse investor, a STP (Systematic Transfer Plan) from a liquid fund into equity is a good middle path.
How is SIP taxed in India?
Each SIP instalment is treated as a separate investment for capital gains tax purposes. For equity mutual funds (post July 2024): gains held <1 year are short-term and taxed at 20%. Gains held >1 year are long-term and taxed at 12.5%, with a ₹1.25 lakh annual exemption. For debt funds (post April 2023): all gains are taxed at your slab rate regardless of holding period.
Can I stop or skip SIP instalments?
Yes, all mutual fund SIPs can be paused for up to 3-6 months or stopped entirely with no penalty. Just submit a request on your fund house app or through your broker (Zerodha Coin, Groww, Kuvera, etc.). Stopping a SIP does not redeem your existing units — those continue to grow untouched.
What is a step-up SIP?
A step-up SIP (also called top-up SIP) automatically increases your monthly investment every year by a fixed amount or percentage. For example, ₹10,000/month stepped up by 10% annually becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on. Over 20 years at 12% returns, a 10% step-up roughly doubles your final corpus vs a flat SIP.
Sources
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Calculated with CalcHub