5,000 Per Month SIP Calculator
How much will a 5,000 monthly SIP become? Adjust the return and years to see your maturity value.
A 5,000-a-month SIP is one of the most common commitments for salaried investors — large enough to build a meaningful corpus, small enough to sustain through market dips. Around the ten-year mark something important happens: the returns earned on a 5,000 SIP begin to outweigh what you actually put in, and the curve gets visibly steeper from there.
What 5,000 per month grows to (at 12% p.a.)
Assuming a 5,000 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 | 3,00,000 | 4,12,432 |
| 10 years | 6,00,000 | 11,61,695 |
| 15 years | 9,00,000 | 25,22,880 |
| 20 years | 12,00,000 | 49,95,740 |
How the SIP grows
Each 5,000 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 5,000 multiplied by the number of months; everything above that is returns.