How to use this SIP calculator
Investing ₹3,000 every month through a SIP for 15 years at an assumed 12% annual return could grow to roughly ₹14,27,794. Of that, ₹5,40,000 is your own contribution and about ₹8,87,794 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 ₹3,000 SIP early.
What ₹3,000 a month becomes over time
Holding the monthly investment at ₹3,000 and the assumed return at 12%, the projected corpus grows sharply with the investment period:
In 10 years it could grow to about ₹6,72,108 (you invest ₹3,60,000 and the estimated gain is ₹3,12,108).
In 15 years it could grow to about ₹14,27,794 (you invest ₹5,40,000 and the estimated gain is ₹8,87,794).
In 20 years it could grow to about ₹27,59,572 (you invest ₹7,20,000 and the estimated gain is ₹20,39,572).
In 25 years it could grow to about ₹51,06,620 (you invest ₹9,00,000 and the estimated gain is ₹42,06,620).
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 ₹3,000 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 ₹3,000.
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.