SIP for 5 years
Over 5 years at 12% a year, ₹10,000 a month projects to ₹8,24,864 — ₹6,00,000 of your money and ₹2.25 L from compounding, which is 27% of the total. The table below covers every common instalment.
Your 5-year 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 | ₹10,000 | ₹1,20,000 | ₹8,093 | ₹1,28,093 | ₹1,20,843 |
| 2 | ₹10,000 | ₹2,40,000 | ₹32,432 | ₹2,72,432 | ₹2,42,464 |
| 3 | ₹10,000 | ₹3,60,000 | ₹75,076 | ₹4,35,076 | ₹3,65,299 |
| 4 | ₹10,000 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 | ₹4,89,790 |
| 5 | ₹10,000 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 | ₹6,16,386 |
Five years is the wrong horizon for equity
This is the page where the honest answer is mostly discouraging, so here it is plainly: five years is too short for an equity SIP you cannot afford to lose.
Indian equity has had multiple five-year stretches with flat or negative real returns. Over 20 years a bad patch is something you ride through; over five it can be the whole period, and you have no time to recover before the deadline.
The table below therefore projects at 12% because that is the convention — but for a five-year goal a 7% debt assumption is far more defensible. At ₹10,000 a month that is ₹7,20,105 rather than ₹8,24,864. The lower number is the one to plan on.
What actually suits five years: short-duration debt funds, a recurring deposit, or a hybrid fund if you can tolerate some movement. The RD calculator and FD calculator handle the deposit versions, and SIP vs RD covers the trade-off at this horizon specifically.
If the five years is arbitrary and the money is genuinely long-term, extend the horizon instead. Ten years changes the answer completely.
Every monthly amount over 5 years
Same 5-year term, different instalments, all at 12% a year.
| Monthly | You invest | Projected value | In today’s money |
|---|---|---|---|
| ₹1,000 | ₹60,000 | ₹82,486 | ₹61.64K |
| ₹2,000 | ₹1,20,000 | ₹1,64,973 | ₹1.23 L |
| ₹5,000 | ₹3,00,000 | ₹4,12,432 | ₹3.08 L |
| ₹10,000 | ₹6,00,000 | ₹8,24,864 | ₹6.16 L |
| ₹15,000 | ₹9,00,000 | ₹12,37,295 | ₹9.25 L |
| ₹25,000 | ₹15,00,000 | ₹20,62,159 | ₹15.41 L |
| ₹50,000 | ₹30,00,000 | ₹41,24,318 | ₹30.82 L |
Questions people actually ask
How much will I have after 5 years of SIP?
At 12% a year: ₹4,12,432 from ₹5,000 a month, ₹8,24,864 from ₹10,000, and ₹20,62,159 from ₹25,000. The full table is above.
These are projections from a rate you chose, not forecasts. Run them three points lower before relying on them.
Is 5 years long enough for equity?
No, not for money you cannot afford to lose. Indian equity has had multiple five-year stretches of flat or negative real returns, and a five-year deadline leaves no room to recover.
Use short-duration debt, an RD or a hybrid fund, and assume 6–7% rather than 12%.
What is a 5-year SIP worth after inflation?
At 6% inflation, the ₹10,000-a-month projection of ₹8,24,864 is worth about ₹6.16 L in today's money.
Over 5 years that gap is 25% of the headline figure, which is why any long-horizon plan should be read in real terms.