₹5000 Monthly SIP Calculator
Find out how a ₹5,000/month SIP can take you toward ₹1 Crore.
Increase your SIP each year
Real (inflation-adjusted) value after 20 years: ₹1,53,49,989
About the ₹5000 Monthly SIP Calculator
The ₹5000 Monthly SIP Calculator projects how a Systematic Investment Plan (SIP) into Indian mutual funds compounds over time. SIPs are the most popular way Indian retail investors build long-term wealth because they automate discipline, average out market volatility through rupee-cost averaging, and use the power of monthly compounding. This tool factors in your contribution, expected CAGR and tenure to estimate the maturity corpus — and optionally adjusts for inflation so you see real, not nominal, wealth.
How the ₹5000 Monthly SIP Calculator works
- Enter your monthly SIP amount, expected annual return (CAGR) and investment horizon in years.
- The calculator compounds each monthly instalment from the date of investment to the end of the horizon, simulating actual SIP behaviour.
- It separates your total contribution (capital invested) from the wealth gained (returns) so you can see the true power of compounding.
- For long horizons, enable inflation adjustment to convert nominal future value into today's purchasing power.
Inputs explained
Formula
FV = P × [(1 + i)^n − 1] / i × (1 + i) where P = monthly SIP, i = monthly rate (annual / 12), n = total months.
Worked example
A ₹10k/month SIP at 12% CAGR for 20 years invests ₹24.00 L of your own money and grows to roughly ₹99.91 L. Wealth gained: ₹75.91 L. Double the tenure and the corpus more than quadruples — that's why starting early matters more than starting big.
India-specific notes
- •Equity mutual fund gains held over 1 year qualify as Long Term Capital Gains (LTCG) — taxed at 12.5% above ₹1.25L/year (Budget 2024 update).
- •Debt funds bought after 1 April 2023 are taxed entirely at slab rate, regardless of holding period.
- •ELSS SIPs lock in for 3 years per instalment but qualify for 80C deduction under the old tax regime.
- •SIP returns are not guaranteed — historical large-cap CAGR over 10+ years has hovered around 11-13%.
Tips to maximise this calculator
- →Increase your SIP by 10% every year (step-up) — it can double your final corpus over 25 years.
- →Don't stop SIPs in a market crash — that's when you accumulate the most units cheaply.
- →Pair SIPs with a 6-month emergency fund so you never need to redeem during a downturn.
Common mistakes to avoid
- ✕Chasing last year's top-performing fund instead of sticking with a diversified core.
- ✕Pausing or stopping SIPs when markets fall — exactly the wrong move.
- ✕Forgetting to factor in inflation: ₹1 Cr in 25 years buys roughly what ₹30L buys today.
Glossary
- SIP
- Systematic Investment Plan — a fixed amount auto-debited to a mutual fund monthly.
- CAGR
- Compound Annual Growth Rate — the annualised return that smooths out yearly volatility.
- NAV
- Net Asset Value — the per-unit price of a mutual fund, calculated daily.
- Rupee-cost averaging
- Buying more units when NAV is low and fewer when high, automatically.
Frequently asked questions
Is the ₹5000 Monthly SIP Calculator free to use?
Yes. The ₹5000 Monthly SIP Calculator is free, runs in your browser and never stores personal data.
Are the assumptions India-specific?
Yes. We use INR, Indian inflation and India-specific rates (PPF, EPF, FY 2026-27 tax slabs where applicable).
Is this investment advice?
No. This tool is for education. Consult a SEBI registered advisor before investing.