SIP of ₹2K/month for 15 Years at 8% Expected Return

Total Corpus

₹6,96,690

Invested

₹3,60,000

Returns Gained

+93.5%

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

48% Returns

Total Invested

Your monthly SIP contributions

₹3,60,000

51.7%

Estimated Returns

Wealth gained via compounding

₹3,36,690

48.3%

Total Corpus

Final value at maturity

₹6,96,690

100%

52% Invested 48% Returns

Insights

Wealth Multiplier

+93.5% returns

Your ₹3,60,000 invested grows to ₹6,96,690

Daily Investment

₹66/day

That's just ₹66 per day to build a ₹6,96,690 corpus

One More Year

+₹82,891

Investing for 16 years instead of 15 adds ₹82,891 to your corpus

Better Returns Matter

₹1,12,145 more

At 8% vs 6%, you earn ₹1,12,145 extra over 15 years

₹1 Crore Goal

₹28,707/mo

To reach ₹1 Crore in 15 years at 8%, you need ₹28,707/month

About This SIP Calculation

Investing ₹2K every month through SIP for 15 years at an expected 8% annual return builds a corpus of ₹6,96,690. Your total investment of ₹3,60,000 generates estimated returns of ₹3,36,690 — a wealth gain of 93.5%. Compounding accelerates sharply in the later years: roughly 37% of the final corpus is created in the last quarter of the investment period. Starting ₹2K/month 3 years earlier at the same rate can add over ₹5,760 more to your final corpus. Debt funds targeting 8% 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 15 years.

Year-by-Year Growth

How your SIP corpus grows each year

Total Months

180

Year Invested Returns Corpus
Year 1 ₹24,000 ₹1,066 ₹25,066
Year 2 ₹48,000 ₹4,212 ₹52,212
Year 3 ₹72,000 ₹9,612 ₹81,612
Year 4 ₹96,000 ₹17,451 ₹1,13,451
Year 5 ₹1,20,000 ₹27,933 ₹1,47,933
Year 6 ₹1,44,000 ₹41,278 ₹1,85,278
Year 7 ₹1,68,000 ₹57,721 ₹2,25,721
Year 8 ₹1,92,000 ₹77,522 ₹2,69,522
Year 9 ₹2,16,000 ₹1,00,958 ₹3,16,958
Year 10 ₹2,40,000 ₹1,28,331 ₹3,68,331
Year 11 ₹2,64,000 ₹1,59,969 ₹4,23,969
Year 12 ₹2,88,000 ₹1,96,224 ₹4,84,224
Year 13 ₹3,12,000 ₹2,37,480 ₹5,49,480
Year 14 ₹3,36,000 ₹2,84,152 ₹6,20,152
Year 15 ₹3,60,000 ₹3,36,690 ₹6,96,690

Frequently Asked Questions

A monthly SIP of ₹2,000 for 15 years at 8% annual returns grows to ₹6,96,690. You invest ₹3,60,000 and earn ₹3,36,690 as returns — a gain of 93.5%.
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.
8% 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 8% as a planning estimate, not a guarantee.
Yes — a Step-Up SIP (increasing by 10% annually) dramatically accelerates wealth creation. If you start at ₹2,000/month and increase by 10% yearly, your corpus over 15 years will be significantly higher than a fixed ₹2,000 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 8% returns, you need approximately ₹28,707/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

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Est. Corpus

₹6.97 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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