₹5,000 SIP per month
A ₹5,000 monthly SIP at 12% a year grows to ₹11,61,695 in 10 years and ₹49,95,740 in 20 — from ₹12,00,000 of your own money. The calculator below is pre-filled at ₹5,000; the table shows every term at once.
Your ₹5,000 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 | ₹5,000 | ₹60,000 | ₹4,047 | ₹64,047 | ₹60,421 |
| 2 | ₹5,000 | ₹1,20,000 | ₹16,216 | ₹1,36,216 | ₹1,21,232 |
| 3 | ₹5,000 | ₹1,80,000 | ₹37,538 | ₹2,17,538 | ₹1,82,649 |
| 4 | ₹5,000 | ₹2,40,000 | ₹69,174 | ₹3,09,174 | ₹2,44,895 |
| 5 | ₹5,000 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 | ₹3,08,193 |
| 6 | ₹5,000 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 | ₹3,72,773 |
| 7 | ₹5,000 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 | ₹4,38,868 |
| 8 | ₹5,000 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 | ₹5,06,719 |
| 9 | ₹5,000 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 | ₹5,76,573 |
| 10 | ₹5,000 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 | ₹6,48,685 |
| 11 | ₹5,000 | ₹6,60,000 | ₹7,13,074 | ₹13,73,074 | ₹7,23,318 |
| 12 | ₹5,000 | ₹7,20,000 | ₹8,91,261 | ₹16,11,261 | ₹8,00,747 |
| 13 | ₹5,000 | ₹7,80,000 | ₹10,99,656 | ₹18,79,656 | ₹8,81,256 |
| 14 | ₹5,000 | ₹8,40,000 | ₹13,42,090 | ₹21,82,090 | ₹9,65,140 |
| 15 | ₹5,000 | ₹9,00,000 | ₹16,22,880 | ₹25,22,880 | ₹10,52,710 |
| 16 | ₹5,000 | ₹9,60,000 | ₹19,46,891 | ₹29,06,891 | ₹11,44,287 |
| 17 | ₹5,000 | ₹10,20,000 | ₹23,19,604 | ₹33,39,604 | ₹12,40,210 |
| 18 | ₹5,000 | ₹10,80,000 | ₹27,47,196 | ₹38,27,196 | ₹13,40,834 |
| 19 | ₹5,000 | ₹11,40,000 | ₹32,36,627 | ₹43,76,627 | ₹14,46,532 |
| 20 | ₹5,000 | ₹12,00,000 | ₹37,95,740 | ₹49,95,740 | ₹15,57,695 |
Why ₹5,000 is the most searched amount
₹5,000 is the default in almost every Indian SIP calculator, including this one. It sits at a genuine intersection: comfortably above most funds' ₹500 minimum, affordable on a mid-range salary, and large enough that the projections stop looking trivial.
Over 10 years it reaches ₹11,61,695; over 20, ₹49,95,740. Note what happens between those two rows — doubling the term did not double the outcome, it multiplied it by about 4.3.
That non-linearity is the whole point of the table below, and it is why the useful question at ₹5,000 a month is never "which fund" but "how long". Over 10 years, compounding contributes 48% of your final figure. Over 30 it contributes 90%. The instalment is the same; the mechanism is doing progressively more of the work.
₹5,000 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 | ₹3,00,000 | ₹4,12,432 | 27% | ₹3.08 L |
| 10 years | ₹6,00,000 | ₹11,61,695 | 48% | ₹6.49 L |
| 15 years | ₹9,00,000 | ₹25,22,880 | 64% | ₹10.53 L |
| 20 years | ₹12,00,000 | ₹49,95,740 | 76% | ₹15.58 L |
| 25 years | ₹15,00,000 | ₹94,88,175 | 84% | ₹22.11 L |
| 30 years | ₹18,00,000 | ₹1,76,49,569 | 90% | ₹30.73 L |
Questions people actually ask
Is ₹5,000 a month enough?
Enough for what, and by when — the instalment alone cannot answer it. ₹5,000 a month reaches ₹11,61,695 in 10 years and ₹49,95,740 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 ₹5,000 a month be worth after inflation?
Over 20 years at 6% inflation, the ₹49,95,740 projection is worth about ₹15.58 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 ₹5,000 SIP over time?
Yes — it is the single highest-leverage change available. Raised 10% a year, ₹5,000 a month over 20 years reaches ₹99,44,358 instead of ₹49,95,740.
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.