SIP of ₹1K/month for 3 Years at 10% Expected Return

Total Corpus

₹42,130

Invested

₹36,000

Returns Gained

+17.0%

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 3 years

Invested Amount

₹0

Est. Returns

₹0

Wealth Gained

0%

returns on total investment

Invested Returns
50% 50%

Wealth Breakdown

15% Returns

Total Invested

Your monthly SIP contributions

₹36,000

85.4%

Estimated Returns

Wealth gained via compounding

₹6,130

14.6%

Total Corpus

Final value at maturity

₹42,130

100%

85% Invested 15% Returns

Insights

Wealth Multiplier

+17.0% returns

Your ₹36,000 invested grows to ₹42,130

Daily Investment

₹33/day

That's just ₹33 per day to build a ₹42,130 corpus

One More Year

+₹17,082

Investing for 4 years instead of 3 adds ₹17,082 to your corpus

Better Returns Matter

₹1,324 more

At 10% vs 8%, you earn ₹1,324 extra over 3 years

₹1 Crore Goal

₹2,37,361/mo

To reach ₹1 Crore in 3 years at 10%, you need ₹2,37,361/month

About This SIP Calculation

Investing ₹1K every month through SIP for 3 years at an expected 10% annual return builds a corpus of ₹42,130. Your total investment of ₹36,000 generates estimated returns of ₹6,130 — a wealth gain of 17.0%. Compounding accelerates sharply in the later years: roughly 28% 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 ₹3,600 more to your final corpus. Debt funds targeting 10% returns are taxed at your income slab rate on gains. Investing in direct plans rather than regular plans typically saves 0.5–1% annually in expense ratio, compounding to a significant difference over 3 years.

Year-by-Year Growth

How your SIP corpus grows each year

Total Months

36

Year Invested Returns Corpus
Year 1 ₹12,000 ₹670 ₹12,670
Year 2 ₹24,000 ₹2,667 ₹26,667
Year 3 ₹36,000 ₹6,130 ₹42,130

Frequently Asked Questions

A monthly SIP of ₹1,000 for 3 years at 10% annual returns grows to ₹42,130. You invest ₹36,000 and earn ₹6,130 as returns — a gain of 17.0%.
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.
10% 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 10% 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 3 years will be significantly higher than a fixed ₹1,000 SIP. Most mutual fund platforms support automated step-up SIPs.
For 3-year SIPs, balanced/hybrid funds or large-cap equity funds offer good risk-adjusted returns. 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 3 years at 10% returns, you need approximately ₹2,37,361/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

Explore Variations

Start Your ₹1K/month SIP Today

Build a corpus of ₹42,130 — invest via these trusted platforms

Est. Corpus

₹42,130

Zerodha Coin

Direct MF Platform

Zero Commission

Start SIP →

Groww

Commission-free SIP

Popular App

Start SIP →

Kuvera

Direct Mutual Funds

Goal-based SIP

Start SIP →

ET Money

Smart SIP Plans

Step-Up SIP

Start SIP →

* 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.

Related Calculators

EMI

EMI Calculator

Calculate monthly loan EMI for any loan amount
FD

FD Calculator

Calculate Fixed Deposit maturity & interest