SIP Calculator: ₹5,000 a Month for 10 Years
The short answer
A SIP of ₹5,000 a month for 10 years invests ₹6,00,000. If it grows at an assumed 12 percent a year, it becomes about ₹11,61,695, a gain of ₹5,61,695. The 12 percent is only an assumption. Real returns go up and down and are not promised.
Value after the period
₹11,61,695
If the return stays the same every year. It is an assumption, not a promise.
You invest
₹6,00,000
Gain
₹5,61,695
Total
₹11,61,695
Year-by-year growth
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
Worked out as: monthly amount × ((1 + i)n − 1) ÷ i × (1 + i), where i is the yearly return ÷ 12 and n the number of months, with each payment made at the start of the month. Real mutual funds go up and down, and charges and tax are not included.
Everything runs in your browser. What you type is not sent anywhere.
How to: SIP Calculator: ₹5,000 a Month for 10 Years
- 1Type the monthly amount, for example 5000.
- 2Type the yearly return you want to assume.
- 3Type the number of years.
- 4Read what you invest and the estimated value. Try a lower rate as well.
At a glance
- You invest
- ₹6,00,000
- Value at 12% (assumed)
- ₹11,61,695
- Gain
- ₹5,61,695
Frequently asked questions
Will my SIP really give 12 percent?
Nobody can promise that. Market-linked returns change every year and can be negative. Try 8 or 10 percent as well, to see a more careful picture.
What is the benefit of starting early?
Money invested earlier has more years to grow on its own gains. The same SIP for 15 years grows by much more than for 10, not just by half more.
More quick answers
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