Is ₹5,000 SIP enough for 15 years?

A ₹5,000/month SIP for 15 years projects to roughly ₹25,22,880 at 12% annual return. For long-term goals, stepping up the SIP each year typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched.

What if I extend the SIP beyond 15 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base.

Is ₹5,000 SIP enough for 15 years?

It depends on your goal. A ₹5,000/month SIP for 15 years projects to roughly ₹25,22,880 at 12% annual return. For long-term goals like retirement or a child's education, increasing the SIP every year (step-up) typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number so you're not disappointed if markets underperform.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown. SIPs reduce timing risk via rupee-cost averaging, but they do not eliminate market risk.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched. Most fund houses and apps support automatic step-up SIPs.

What if I extend the SIP beyond 15 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base. Extending by even 5 years can meaningfully change the final corpus.

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SIP scenario · India

SIP Calculator: ₹5,000/month for 15 years

If you invest ₹5,000/month for 15 years, you could build ₹25.2L — assuming a 12% annual return.

Projected future value

₹25,22,880

Total invested

₹9,00,000

Estimated gains

₹16,22,880

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Growth over time

Invested vs Gains

Your money could grow 2.8× in 15 years

That's compounding doing its quiet work in the background — month after month.

In today's purchasing power

At ~6% inflation, ₹25,22,880 in 15 years is worth roughly ₹10,52,710 in today's money.

Year-by-year breakdown

How ₹5,000/month compounds at 12% annual return.

Year	Invested	Gains	Total value
0	₹0	₹0	₹0
1	₹60,000	₹4,047	₹64,047
2	₹1,20,000	₹16,216	₹1,36,216
3	₹1,80,000	₹37,538	₹2,17,538
4	₹2,40,000	₹69,174	₹3,09,174
5	₹3,00,000	₹1,12,432	₹4,12,432
6	₹3,60,000	₹1,68,785	₹5,28,785
7	₹4,20,000	₹2,39,895	₹6,59,895
8	₹4,80,000	₹3,27,633	₹8,07,633
9	₹5,40,000	₹4,34,108	₹9,74,108
10	₹6,00,000	₹5,61,695	₹11,61,695
11	₹6,60,000	₹7,13,074	₹13,73,074
12	₹7,20,000	₹8,91,261	₹16,11,261
13	₹7,80,000	₹10,99,656	₹18,79,656
14	₹8,40,000	₹13,42,090	₹21,82,090
15	₹9,00,000	₹16,22,880	₹25,22,880

How a ₹5,000 SIP grows over 15 years

By investing ₹5,000 every month for 15 years, you contribute a total of ₹9,00,000. Assuming an average return of 12% per year — typical for Indian equity mutual funds over long horizons — the corpus compounds to about ₹25,22,880. Roughly ₹16,22,880 of that is pure compounding gain.

The power of compounding

Compounding is when your returns start earning returns of their own. In a SIP, every monthly contribution gets its own runway to grow. The contributions you make in the first 5 years usually generate the most lifetime growth — simply because they have the longest time to compound.

Why long-term horizons matter

Most of the gain in a long SIP arrives in the final stretch. In a 15-year plan, the last 5 years often contribute more growth than the first 5 combined, because compounding works on a much larger base by then. Staying invested through market noise is what separates great outcomes from average ones.

Tip: increase your SIP every year

Even a 5–10% yearly step-up — matched to your salary hike — meaningfully outperforms a flat SIP. Try the full SIP calculator to see what step-up does to this scenario.

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