1,000 Per Month SIP Calculator
A small, steady 1,000 monthly SIP adds up — see how much, and how the time horizon changes everything.
A 1,000-a-month SIP is the classic starting point for students, first-jobbers and anyone testing the discipline of regular investing. The amount is small, but the habit is what matters — and over a long enough horizon even a 1,000 monthly SIP compounds into a sum that dwarfs the total you contributed.
What 1,000 per month grows to (at 12% p.a.)
Assuming a 1,000 monthly SIP at a 12% expected annual return, here is roughly how the corpus builds over time. Change the rate or years in the calculator above to model your own scenario.
| Years invested | Total invested | Estimated value |
|---|---|---|
| 5 years | 60,000 | 82,486 |
| 10 years | 1,20,000 | 2,32,339 |
| 15 years | 1,80,000 | 5,04,576 |
| 20 years | 2,40,000 | 9,99,148 |
How the SIP grows
Each 1,000 instalment is its own small investment that compounds for the months remaining until the end of your horizon. The earliest instalments compound the longest, which is why the value curve steepens over time rather than rising in a straight line. Your total invested is simply 1,000 multiplied by the number of months; everything above that is returns.