How much will Rs5000 SIP become in 20 years?

Rs5000/month for 20 years at 12% annual return becomes Rs49.95 lakhs. You invest Rs12 lakhs, gain Rs37.95 lakhs. Formula: FV = P * [((1+r)^n -1)/r] * (1+r) where P=5000, r=1% monthly, n=240 months.

What is good SIP return percentage?

Historical equity mutual funds in India returned 12-15% CAGR over 10+ years. Large cap ~12%, Mid cap ~14%, Small cap ~15% but with higher risk. We use 12% as conservative example, not guarantee.

How to calculate SIP manually?

Use formula FV = P * [((1+r)^n -1)/r] * (1+r). Example: P=10000, r=12%/12=1% monthly=0.01, n=12*15=180 months. FV = 10000 * [((1.01)^180 -1)/0.01] *1.01 = Rs50.45L approx. Or use our free calculator.

SIP Calculator | CorporateTrader

SIP Calculator

The SIP calculator helps estimate the potential growth of your Systematic Investment Plan based on expected returns and duration. Read More

Returns Estimator

Estimation is based on the past performance

Enter Amount

Monthly SIP

₹

Select Duration

Yrs

1 Yr30 Yrs

Expected Rate of Return

8%30%

The total value of your investment after 5 Years will be

₹ 4,12,432

Invested Amount

₹ 3,00,000

Est. Returns

₹ 1,12,432

Formula & Methodology

Maturity = P × [((1+r)^n -1)/r] × (1+r)

Example

Rs5000 monthly, 12% return, 5 years = Rs3L invested, Rs1.12L returns, Rs4.12L maturity.

Explanation

SIP invests fixed amount monthly. Compounding makes later years exponential.

Assumptions

Assumes fixed monthly investment, constant annual return, monthly compounding, no fees/taxes.

⚠️

Disclaimer: For educational purposes only, not financial advice. Calculations based on inputs and standard formulas. Actual results may vary. Past performance does not guarantee future results. See full disclaimer.

FAQ

What is SIP?

Systematic Investment Plan invests fixed amount regularly.

Is SIP return guaranteed?

No. Mutual funds subject to market risk.

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Methodology reviewed: 1 October 2026

SIP calculation assumptions and return convention

The SIP calculator estimates a series of equal monthly investments using an annuity-due future-value formula, which assumes each contribution is made at the beginning of a monthly period. It uses the entered annual return as a nominal planning rate divided by 12. Other calculators may convert an effective annual return to an equivalent monthly rate, so results can differ even when the same annual percentage is displayed.

Worked example

At ₹5,000 per month for five years and a 12% nominal annual assumption, total contributions are ₹3,00,000 and the projected maturity value is approximately ₹4.12 lakh using beginning-of-month contributions. This is an illustration, not a mutual-fund return forecast.

Mutual-fund returns are market-linked and neither fixed nor guaranteed. Compare multiple return scenarios, consider costs and taxes, and do not select a fund merely because a calculator displays a large future value.

Primary references: SEBI Investor education and AMFI SIP education.

Frequently asked questions

Does a SIP calculator guarantee returns?

No. It illustrates compounding using an assumed rate; actual mutual-fund returns vary.

Why can two SIP calculators show different results?

They may use beginning- versus end-of-month contributions or nominal versus effective annual-rate conversion.

Is the invested amount the same as maturity value?

No. Invested amount is the sum of contributions; maturity value also includes the modeled gain or loss.

SIP Calculator

SIP Calculator

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SIP calculation assumptions and return convention

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