SIP of ₹5K/month for 15 Years at 12% Expected Return

Total Corpus

₹25,22,880

Invested

₹9,00,000

Returns Gained

+180.3%

SIP Calculator

Adjust sliders or enter values to estimate your SIP returns

₹
₹100 ₹2 Lakh
Years
1 Year 40 Years
%
1% 30%

Total Corpus

₹0

after 15 years

Invested Amount

₹0

Est. Returns

₹0

Wealth Gained

0%

returns on total investment

Invested Returns
50% 50%

Wealth Breakdown

64% Returns

Total Invested

Your monthly SIP contributions

₹9,00,000

35.7%

Estimated Returns

Wealth gained via compounding

₹16,22,880

64.3%

Total Corpus

Final value at maturity

₹25,22,880

100%

36% Invested 64% Returns

Insights

Wealth Multiplier

+180.3% returns

Your ₹9,00,000 invested grows to ₹25,22,880

Daily Investment

₹164/day

That's just ₹164 per day to build a ₹25,22,880 corpus

One More Year

+₹3,84,011

Investing for 16 years instead of 15 adds ₹3,84,011 to your corpus

Better Returns Matter

₹4,33,259 more

At 12% vs 10%, you earn ₹4,33,259 extra over 15 years

₹1 Crore Goal

₹19,819/mo

To reach ₹1 Crore in 15 years at 12%, you need ₹19,819/month

About This SIP Calculation

Investing ₹5K every month through SIP for 15 years at an expected 12% annual return builds a corpus of ₹25,22,880. Your total investment of ₹9,00,000 generates estimated returns of ₹16,22,880 — a wealth gain of 180.3%. Compounding accelerates sharply in the later years: roughly 43% of the final corpus is created in the last quarter of the investment period. Starting ₹5K/month 3 years earlier at the same rate can add over ₹21,600 more to your final corpus. Equity mutual funds at 12% returns fall under LTCG rules — gains above ₹1 lakh per year are taxed at 10% with no indexation benefit. Investing in direct plans rather than regular plans typically saves 0.5–1% annually in expense ratio, compounding to a significant difference over 15 years.

Year-by-Year Growth

How your SIP corpus grows each year

Total Months

180

Year Invested Returns Corpus
Year 1 ₹60,000 ₹4,047 ₹64,047
Year 2 ₹1,20,000 ₹16,216 ₹1,36,216
Year 3 ₹1,80,000 ₹37,538 ₹2,17,538
Year 4 ₹2,40,000 ₹69,174 ₹3,09,174
Year 5 ₹3,00,000 ₹1,12,432 ₹4,12,432
Year 6 ₹3,60,000 ₹1,68,785 ₹5,28,785
Year 7 ₹4,20,000 ₹2,39,895 ₹6,59,895
Year 8 ₹4,80,000 ₹3,27,633 ₹8,07,633
Year 9 ₹5,40,000 ₹4,34,108 ₹9,74,108
Year 10 ₹6,00,000 ₹5,61,695 ₹11,61,695
Year 11 ₹6,60,000 ₹7,13,074 ₹13,73,074
Year 12 ₹7,20,000 ₹8,91,261 ₹16,11,261
Year 13 ₹7,80,000 ₹10,99,656 ₹18,79,656
Year 14 ₹8,40,000 ₹13,42,090 ₹21,82,090
Year 15 ₹9,00,000 ₹16,22,880 ₹25,22,880

Frequently Asked Questions

A monthly SIP of ₹5,000 for 15 years at 12% annual returns grows to ₹25,22,880. You invest ₹9,00,000 and earn ₹16,22,880 as returns — a gain of 180.3%.
SIP returns are calculated using the compound interest formula: FV = M × [((1 + r)^n − 1) / r] × (1 + r), where M is the monthly amount, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total months. This accounts for the power of compounding — each month's investment earns returns on itself.
12% annual returns is very realistic. Indian large-cap equity mutual funds have historically returned 10–14% CAGR over 10+ year periods. Small-cap funds have returned 15–18%+. Past performance doesn't guarantee future results. Use 12% as a planning estimate, not a guarantee.
Yes — a Step-Up SIP (increasing by 10% annually) dramatically accelerates wealth creation. If you start at ₹5,000/month and increase by 10% yearly, your corpus over 15 years will be significantly higher than a fixed ₹5,000 SIP. Most mutual fund platforms support automated step-up SIPs.
For long-term (10+ years) SIPs, equity mutual funds (large-cap, flexi-cap, mid-cap) are ideal as they have time to ride out volatility and deliver strong CAGR. Popular categories: Index Funds (Nifty 50/Nifty Next 50), Flexi-cap Funds, ELSS (tax-saving). Consult a SEBI-registered advisor for personalised advice.
To accumulate ₹1 Crore in 15 years at 12% returns, you need approximately ₹19,819/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

Explore Variations

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₹25.23 L

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* Affiliate disclosure: FincalcX may earn a commission if you invest via these links. All returns shown are estimates based on historical averages. Mutual fund investments are subject to market risks.

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