₹1,000 per month SIP Calculator
What ₹1,000 invested every month grows to in 5, 10, 15, 20 and 25 years, with a live calculator preset to ₹1,000 and ready to adjust.
Equity returns are not guaranteed. 12% is a common long-term planning assumption for diversified Indian equity funds; use a lower figure to be conservative.
What a ₹1,000 monthly SIP becomes
The table below assumes 12% annual returns, in line with the long-term average of broad Indian equity funds. Real returns vary year to year, so treat these as planning estimates, not promises. The calculator above is already set to ₹1,000 per month: change the return rate, add an annual step-up, or turn on inflation adjustment to stress-test the plan.
| ₹1,000/month for | Total invested (₹) | Est. value at 12% (₹) | Wealth gained (₹) |
|---|---|---|---|
| 5 years | 60,000 | 81,104 | 21,104 |
| 10 years | 1,20,000 | 2,24,036 | 1,04,036 |
| 15 years | 1,80,000 | 4,75,931 | 2,95,931 |
| 20 years | 2,40,000 | 9,19,857 | 6,79,857 |
| 25 years | 3,00,000 | 17,02,207 | 14,02,207 |
How much the return rate matters
Small differences in annual return compound into large differences in outcome over 15 years:
| If returns average | Value of ₹1,000/month after 15 years |
|---|---|
| 8% annual return | 3,39,778 |
| 10% annual return | 4,01,621 |
| 12% annual return | 4,75,931 |
| 14% annual return | 5,65,207 |
Two ways to grow this faster
First, step up the SIP every year: even a 10% annual increase (from ₹1,000 to ₹1,100 in year two, and so on) typically adds 25 to 40% to the final corpus over 15 years. Second, start earlier: the last 5 years of a 20-year SIP usually create more wealth than the first 10, because compounding is back-loaded. Use the step-up field in the calculator to see both effects with your own numbers.
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Frequently asked questions
How much will a ₹1,000 monthly SIP be worth in 15 years?
About ₹4,75,931 at 12% annual returns, of which ₹1,80,000 is your own money and the rest is growth. At 10% it is about ₹4,01,621, at 14% about ₹5,65,207.
How much will ₹1,000 per month become in 20 years?
About ₹9,19,857 at 12% annual returns, against ₹2,40,000 invested. The extra five years roughly double the 15-year value, which is compounding doing the heavy lifting.
Is 12% a realistic return assumption?
It is close to the long-term average of diversified Indian equity funds, but averages hide bad stretches: five-year returns have ranged from negative to over 20%. Use the 8% and 10% rows as your conservative planning case.
Can I change the amount from ₹1,000?
Yes, the calculator on this page is fully editable: change the monthly amount, years, expected return, annual step-up and inflation, and every figure updates instantly.