SIP of ₹5K/month for 15 Years at 8% Expected Return

Total Corpus

₹17,41,726

Invested

₹9,00,000

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

₹9,00,000

51.7%

Estimated Returns

Wealth gained via compounding

₹8,41,726

48.3%

Total Corpus

Final value at maturity

₹17,41,726

100%

52% Invested 48% Returns

Insights

Wealth Multiplier

+93.5% returns

Your ₹9,00,000 invested grows to ₹17,41,726

Daily Investment

₹164/day

That's just ₹164 per day to build a ₹17,41,726 corpus

One More Year

+₹2,07,227

Investing for 16 years instead of 15 adds ₹2,07,227 to your corpus

Better Returns Matter

₹2,80,362 more

At 8% vs 6%, you earn ₹2,80,362 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 ₹5K every month through SIP for 15 years at an expected 8% annual return builds a corpus of ₹17,41,726. Your total investment of ₹9,00,000 generates estimated returns of ₹8,41,726 — 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 ₹5K/month 3 years earlier at the same rate can add over ₹14,400 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 ₹60,000 ₹2,665 ₹62,665
Year 2 ₹1,20,000 ₹10,530 ₹1,30,530
Year 3 ₹1,80,000 ₹24,029 ₹2,04,029
Year 4 ₹2,40,000 ₹43,628 ₹2,83,628
Year 5 ₹3,00,000 ₹69,834 ₹3,69,834
Year 6 ₹3,60,000 ₹1,03,194 ₹4,63,194
Year 7 ₹4,20,000 ₹1,44,304 ₹5,64,304
Year 8 ₹4,80,000 ₹1,93,805 ₹6,73,805
Year 9 ₹5,40,000 ₹2,52,395 ₹7,92,395
Year 10 ₹6,00,000 ₹3,20,828 ₹9,20,828
Year 11 ₹6,60,000 ₹3,99,921 ₹10,59,921
Year 12 ₹7,20,000 ₹4,90,559 ₹12,10,559
Year 13 ₹7,80,000 ₹5,93,699 ₹13,73,699
Year 14 ₹8,40,000 ₹7,10,380 ₹15,50,380
Year 15 ₹9,00,000 ₹8,41,726 ₹17,41,726

Frequently Asked Questions

A monthly SIP of ₹5,000 for 15 years at 8% annual returns grows to ₹17,41,726. You invest ₹9,00,000 and earn ₹8,41,726 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 ₹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 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.

Explore Variations

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₹17.42 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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