₹3,000 SIP per month
A ₹3,000 monthly SIP at 12% a year grows to ₹6,97,017 in 10 years and ₹29,97,444 in 20 — from ₹7,20,000 of your own money. The calculator below is pre-filled at ₹3,000; the table shows every term at once.
Your ₹3,000 SIP
What leaves your bank account every month. Type any amount — the slider is just a shortcut.
An assumption, not a promise. Equity funds are usually modelled at 10–12%; see what rate to assume.
Set 0 to switch the "today’s money" column off. India’s CPI has averaged close to 6% over the past decade; the RBI targets 4% with a 2-point band.
What it becomes
What you investWhat compounding addsValue in today’s money
| Year | Monthly | Invested so far | Returns | Value at year end | In today’s money |
|---|---|---|---|---|---|
| 1 | ₹3,000 | ₹36,000 | ₹2,428 | ₹38,428 | ₹36,253 |
| 2 | ₹3,000 | ₹72,000 | ₹9,730 | ₹81,730 | ₹72,739 |
| 3 | ₹3,000 | ₹1,08,000 | ₹22,523 | ₹1,30,523 | ₹1,09,590 |
| 4 | ₹3,000 | ₹1,44,000 | ₹41,505 | ₹1,85,505 | ₹1,46,937 |
| 5 | ₹3,000 | ₹1,80,000 | ₹67,459 | ₹2,47,459 | ₹1,84,916 |
| 6 | ₹3,000 | ₹2,16,000 | ₹1,01,271 | ₹3,17,271 | ₹2,23,664 |
| 7 | ₹3,000 | ₹2,52,000 | ₹1,43,937 | ₹3,95,937 | ₹2,63,321 |
| 8 | ₹3,000 | ₹2,88,000 | ₹1,96,580 | ₹4,84,580 | ₹3,04,031 |
| 9 | ₹3,000 | ₹3,24,000 | ₹2,60,465 | ₹5,84,465 | ₹3,45,944 |
| 10 | ₹3,000 | ₹3,60,000 | ₹3,37,017 | ₹6,97,017 | ₹3,89,211 |
| 11 | ₹3,000 | ₹3,96,000 | ₹4,27,844 | ₹8,23,844 | ₹4,33,991 |
| 12 | ₹3,000 | ₹4,32,000 | ₹5,34,757 | ₹9,66,757 | ₹4,80,448 |
| 13 | ₹3,000 | ₹4,68,000 | ₹6,59,793 | ₹11,27,793 | ₹5,28,754 |
| 14 | ₹3,000 | ₹5,04,000 | ₹8,05,254 | ₹13,09,254 | ₹5,79,084 |
| 15 | ₹3,000 | ₹5,40,000 | ₹9,73,728 | ₹15,13,728 | ₹6,31,626 |
| 16 | ₹3,000 | ₹5,76,000 | ₹11,68,135 | ₹17,44,135 | ₹6,86,572 |
| 17 | ₹3,000 | ₹6,12,000 | ₹13,91,762 | ₹20,03,762 | ₹7,44,126 |
| 18 | ₹3,000 | ₹6,48,000 | ₹16,48,318 | ₹22,96,318 | ₹8,04,501 |
| 19 | ₹3,000 | ₹6,84,000 | ₹19,41,976 | ₹26,25,976 | ₹8,67,919 |
| 20 | ₹3,000 | ₹7,20,000 | ₹22,77,444 | ₹29,97,444 | ₹9,34,617 |
The 10%-of-income benchmark, tested
₹3,000 a month is roughly 10% of a ₹30,000 take-home — the most commonly quoted starting benchmark. Over 20 years it projects to ₹29,97,444, worth about ₹9.35 L in today's money.
Which raises the useful question: is 10% enough? For a 20-year goal at this income, it is a reasonable start. For retirement, it is not — and the reason is that the benchmark is a percentage of a number that should be rising.
10% of ₹30,000 today should become 10% of ₹60,000 in a decade. If the instalment stays at ₹3,000 while your salary doubles, your effective savings rate halved without you deciding anything. That is the failure mode of percentage rules: people adopt the percentage and then freeze the rupee amount.
The framework in how much of your salary handles this properly, including what to fix before increasing the SIP at all.
₹3,000 a month over every term
Same instalment, different patience. The fourth column is the share of the final figure that came from compounding rather than from you.
| Term | You invest | Projected value | From compounding | In today’s money |
|---|---|---|---|---|
| 5 years | ₹1,80,000 | ₹2,47,459 | 27% | ₹1.85 L |
| 10 years | ₹3,60,000 | ₹6,97,017 | 48% | ₹3.89 L |
| 15 years | ₹5,40,000 | ₹15,13,728 | 64% | ₹6.32 L |
| 20 years | ₹7,20,000 | ₹29,97,444 | 76% | ₹9.35 L |
| 25 years | ₹9,00,000 | ₹56,92,905 | 84% | ₹13.26 L |
| 30 years | ₹10,80,000 | ₹1,05,89,741 | 90% | ₹18.44 L |
Questions people actually ask
Is ₹3,000 a month enough?
Enough for what, and by when — the instalment alone cannot answer it. ₹3,000 a month reaches ₹6,97,017 in 10 years and ₹29,97,444 in 20, so the same amount is either modest or substantial depending purely on the term.
Work backwards from the goal instead with the goal planner, which tells you the instalment your target actually needs.
What will ₹3,000 a month be worth after inflation?
Over 20 years at 6% inflation, the ₹29,97,444 projection is worth about ₹9.35 L in today's money.
That is the figure to plan against. The last column of the table above shows it for every term, and the inflation calculator puts it front and centre.
Should I increase a ₹3,000 SIP over time?
Yes — it is the single highest-leverage change available. Raised 10% a year, ₹3,000 a month over 20 years reaches ₹59,66,615 instead of ₹29,97,444.
A flat instalment also shrinks in real terms every year, so increasing with inflation is the minimum needed just to hold your position. See the step-up calculator.