SIP Calculator
₹3,000/month SIP for 25 years
Investing ₹3,000 every month for 25 years at an assumed 12% annual return grows to about ₹56,92,905. You put in ₹9,00,000 of your own money — the other ₹47,92,905 is pure compounding, roughly 6.3× your investment.
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Typical retail SIP: ₹500 – ₹50,000
%
Equity MF historically ~10–14%, debt ~6–8%, FD ~6–7%
yr
Longer horizons compound harder — even 5 extra years matter
Estimated value after 25 years
₹56,92,905
Invested
₹9,00,000
Estimated returns
₹47,92,905
Growth over time
ValueInvested
These figures assume a steady 12% annual return for simplicity — real equity returns swing year to year, so treat this as a planning estimate, not a guarantee. Drag any slider above to model a different amount, return rate or duration.
₹3,000/month SIP — common questions
How much does a ₹3,000/month SIP become in 25 years?
About ₹56,92,905 at 12% — you invest ₹9,00,000 over 25 years and the rest, ₹47,92,905, is pure compounding. Change the amount, return or duration above to match your plan.
How much of the ₹3,000 SIP result is your own money?
You put in ₹9,00,000; the remaining ₹47,92,905 is growth from compounding at 12%. The longer you stay invested, the larger that growth slice becomes relative to your deposits.
Is a SIP better than a lumpsum?
A SIP spreads your buying across market ups and downs (rupee-cost averaging) and suits investing gradually from salary. A lumpsum compounds fully from day one if you already have the money — many investors use both.
Are SIP returns guaranteed or taxable?
Not guaranteed — 12% is an assumed long-term average; real equity returns vary year to year. Gains are taxed as capital gains when you redeem, at rates that depend on the fund type and holding period.
Popular SIP plans
Educational estimate, not investment advice. Mutual-fund returns are not guaranteed; figures are illustrative and ignore expense ratios and tax.