How to use this SIP calculator
Investing ₹1,000 every month through a SIP for 15 years at an assumed 12% annual return could grow to roughly ₹4,75,931. Of that, ₹1,80,000 is your own contribution and about ₹2,95,931 is estimated compounding growth.
The longer you stay invested, the larger the share that comes from growth rather than your deposits — which is the core advantage of starting a ₹1,000 SIP early.
What ₹1,000 a month becomes over time
Holding the monthly investment at ₹1,000 and the assumed return at 12%, the projected corpus grows sharply with the investment period:
In 10 years it could grow to about ₹2,24,036 (you invest ₹1,20,000 and the estimated gain is ₹1,04,036).
In 15 years it could grow to about ₹4,75,931 (you invest ₹1,80,000 and the estimated gain is ₹2,95,931).
In 20 years it could grow to about ₹9,19,857 (you invest ₹2,40,000 and the estimated gain is ₹6,79,857).
In 25 years it could grow to about ₹17,02,207 (you invest ₹3,00,000 and the estimated gain is ₹14,02,207).
Why the return assumption matters
These figures use a steady 12% return for illustration, but real equity returns fluctuate year to year. Treat the result as a planning range, not a guarantee, and test a lower return to see your downside.
Fund expense ratios and long-term capital-gains tax on equity gains above the annual exemption will also reduce the final amount you receive.
Making your ₹1,000 SIP work harder
Stepping up your SIP each year as your income grows usually builds a far larger corpus than chasing a higher return on a flat ₹1,000.
Link the SIP to a specific goal and stay invested through market dips — the automatic rupee-cost averaging of a monthly SIP works best over full market cycles.