SIP of ₹1K/month for 15 Years at 15% Expected Return

Total Corpus

₹6,76,863

Invested

₹1,80,000

Returns Gained

+276.0%

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

73% Returns

Total Invested

Your monthly SIP contributions

₹1,80,000

26.6%

Estimated Returns

Wealth gained via compounding

₹4,96,863

73.4%

Total Corpus

Final value at maturity

₹6,76,863

100%

27% Invested 73% Returns

Insights

Wealth Multiplier

+276.0% returns

Your ₹1,80,000 invested grows to ₹6,76,863

Daily Investment

₹33/day

That's just ₹33 per day to build a ₹6,76,863 corpus

One More Year

+₹1,21,830

Investing for 16 years instead of 15 adds ₹1,21,830 to your corpus

Better Returns Matter

₹2,58,939 more

At 15% vs 10%, you earn ₹2,58,939 extra over 15 years

₹1 Crore Goal

₹14,774/mo

To reach ₹1 Crore in 15 years at 15%, you need ₹14,774/month

About This SIP Calculation

Investing ₹1K every month through SIP for 15 years at an expected 15% annual return builds a corpus of ₹6,76,863. Your total investment of ₹1,80,000 generates estimated returns of ₹4,96,863 — a wealth gain of 276.0%. Compounding accelerates sharply in the later years: roughly 48% of the final corpus is created in the last quarter of the investment period. Starting ₹1K/month 3 years earlier at the same rate can add over ₹5,400 more to your final corpus. Equity mutual funds at 15% 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 ₹12,000 ₹1,021 ₹13,021
Year 2 ₹24,000 ₹4,135 ₹28,135
Year 3 ₹36,000 ₹9,679 ₹45,679
Year 4 ₹48,000 ₹18,044 ₹66,044
Year 5 ₹60,000 ₹29,682 ₹89,682
Year 6 ₹72,000 ₹45,120 ₹1,17,120
Year 7 ₹84,000 ₹64,968 ₹1,48,968
Year 8 ₹96,000 ₹89,937 ₹1,85,937
Year 9 ₹1,08,000 ₹1,20,848 ₹2,28,848
Year 10 ₹1,20,000 ₹1,58,657 ₹2,78,657
Year 11 ₹1,32,000 ₹2,04,474 ₹3,36,474
Year 12 ₹1,44,000 ₹2,59,585 ₹4,03,585
Year 13 ₹1,56,000 ₹3,25,484 ₹4,81,484
Year 14 ₹1,68,000 ₹4,03,906 ₹5,71,906
Year 15 ₹1,80,000 ₹4,96,863 ₹6,76,863

Frequently Asked Questions

A monthly SIP of ₹1,000 for 15 years at 15% annual returns grows to ₹6,76,863. You invest ₹1,80,000 and earn ₹4,96,863 as returns — a gain of 276.0%.
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.
15% annual returns is achievable but optimistic. 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 15% as a planning estimate, not a guarantee.
Yes — a Step-Up SIP (increasing by 10% annually) dramatically accelerates wealth creation. If you start at ₹1,000/month and increase by 10% yearly, your corpus over 15 years will be significantly higher than a fixed ₹1,000 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 15% returns, you need approximately ₹14,774/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

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Est. Corpus

₹6.77 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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