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

Total Corpus

₹33,84,315

Invested

₹9,00,000

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

₹9,00,000

26.6%

Estimated Returns

Wealth gained via compounding

₹24,84,315

73.4%

Total Corpus

Final value at maturity

₹33,84,315

100%

27% Invested 73% Returns

Insights

Wealth Multiplier

+276.0% returns

Your ₹9,00,000 invested grows to ₹33,84,315

Daily Investment

₹164/day

That's just ₹164 per day to build a ₹33,84,315 corpus

One More Year

+₹6,09,150

Investing for 16 years instead of 15 adds ₹6,09,150 to your corpus

Better Returns Matter

₹12,94,694 more

At 15% vs 10%, you earn ₹12,94,694 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 ₹5K every month through SIP for 15 years at an expected 15% annual return builds a corpus of ₹33,84,315. Your total investment of ₹9,00,000 generates estimated returns of ₹24,84,315 — 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 ₹5K/month 3 years earlier at the same rate can add over ₹27,000 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 ₹60,000 ₹5,106 ₹65,106
Year 2 ₹1,20,000 ₹20,677 ₹1,40,677
Year 3 ₹1,80,000 ₹48,397 ₹2,28,397
Year 4 ₹2,40,000 ₹90,219 ₹3,30,219
Year 5 ₹3,00,000 ₹1,48,408 ₹4,48,408
Year 6 ₹3,60,000 ₹2,25,598 ₹5,85,598
Year 7 ₹4,20,000 ₹3,24,841 ₹7,44,841
Year 8 ₹4,80,000 ₹4,49,683 ₹9,29,683
Year 9 ₹5,40,000 ₹6,04,239 ₹11,44,239
Year 10 ₹6,00,000 ₹7,93,286 ₹13,93,286
Year 11 ₹6,60,000 ₹10,22,369 ₹16,82,369
Year 12 ₹7,20,000 ₹12,97,923 ₹20,17,923
Year 13 ₹7,80,000 ₹16,27,419 ₹24,07,419
Year 14 ₹8,40,000 ₹20,19,528 ₹28,59,528
Year 15 ₹9,00,000 ₹24,84,315 ₹33,84,315

Frequently Asked Questions

A monthly SIP of ₹5,000 for 15 years at 15% annual returns grows to ₹33,84,315. You invest ₹9,00,000 and earn ₹24,84,315 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 ₹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 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.

Explore Variations

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₹33.84 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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