SIP Calculator: How much of a fund will be created with monthly SIPs of ₹2,000 and ₹3,000 over 10, 15, and 20 years? Check the full calculation..
SIP Investment Calculation: A Systematic Investment Plan (SIP) in mutual funds is the most effective and easiest way to build a large corpus through small, regular investments. If you wish to invest a fixed amount monthly over the long term, here is an estimate of the corpus you could accumulate with monthly SIPs of ₹2,000 and ₹3,000 over periods of 10, 15, and 20 years, based on an average annual compounded return of 12% from the stock market.
How much will a monthly SIP of ₹2,000 accumulate?
If you start a monthly SIP of ₹2,000 and earn an average annual return of 12%, your fund will grow as follows:
In 10 years
Total investment: ₹2.40 lakh
Estimated returns: ₹2.24 lakh
Total maturity value: ₹4.64 lakh
In 15 years
Total investment: ₹3.60 lakh
Estimated returns: ₹6.49 lakh
Total maturity value: ₹10.09 lakh
In 20 years
Total investment: ₹4.80 lakh
Estimated returns: ₹15.18 lakh
Total maturity value: ₹19.98 lakh (approximately ₹20 lakh)
How much will a monthly SIP of ₹2,000 accumulate?
How much will a monthly SIP of ₹3,000 accumulate? If you increase your investment to ₹3,000 per month, your corpus—based on an annual return of 12%—will grow as follows:
In 10 years
Total investment: ₹3.60 lakh
Estimated returns: ₹3.37 lakh
Total maturity fund: ₹6.97 lakh
In 15 years
Total investment: ₹5.40 lakh
Estimated returns: ₹9.73 lakh
Total maturity fund: ₹15.13 lakh
In 20 years
Total investment: ₹7.20 lakh
Estimated returns: ₹22.77 lakh
Total maturity fund: ₹29.97 lakh (approximately ₹30 lakh)
How much of a fund will a monthly SIP of ₹3,000 create?
Essential tips for new investors
The sooner you start investing in an SIP, the greater the benefit of compounding you will receive. Increasing your SIP amount by 5% or 10% annually as your income grows can result in a significantly larger final corpus; this is known as a 'Step-up SIP.' Additionally, continue your SIP during market downturns rather than stopping it, as this allows you to purchase more units.
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