SIP Calculator: ₹5,000/Month for 15 Years
By RupeesCalc Editorial Team · Reviewed by a SEBI-registered financial planner · Last updated:
₹5,000 SIP for 15 Years — Results Summary
A systematic investment plan (SIP) of ₹5,000 per month sustained for 15 years at a 12% expected annual return grows into ₹25,22,880. Your total investment of ₹9,00,000 earns ₹16,22,880 in returns — a 180% gain over your principal. This is the power of compounding: the longer you stay invested, the larger the gap between what you put in and what you get out.
Year-by-Year Growth — First 5 Years
| Year | Total Invested | Portfolio Value | Returns |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| Year 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| Year 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| Year 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| Year 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| Year 15 (Maturity) | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
SIP Formula Used
The SIP maturity formula is: FV = P × [(1+r)^n − 1] / r × (1+r)
Where: P = Monthly SIP = ₹5,000 | r = Monthly rate = 12% ÷ 12 = 1.0000% | n = Total months = 15 × 12 = 180
Result: ₹25,22,880 maturity amount.
Want a higher corpus? Try a Step-Up SIP where you increase your monthly amount by 10% each year. On a ₹5,000/month base SIP for 15 years, a 10% annual step-up can add 40–60% more to your final corpus.
Frequently Asked Questions
What will ₹5,000 SIP per month become in 15 years?
Which mutual funds should I choose for SIP?
How is SIP return calculated?
Is SIP return of 12% realistic?
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Sources & Methodology: Calculations are based on standard mathematical formulas. Tax slabs and rates are sourced from the Income Tax Department of India, Reserve Bank of India, and AMFI India. All calculators are for educational and planning purposes only — not financial advice. Last updated: .