SIP Calculator for 3 Years
See how much a monthly SIP grows in 3 years. Calculate maturity value, total invested, and wealth gained at a 12% expected return, with a year-by-year breakdown.
Updated June 2026 · Assumes a 12% annual return (illustrative, not guaranteed).
Investment Details
Projected Future Value
$217,538.24
(or $199,078.30 in today's money)
Total Contributions
$180,000.00
Total Interest Earned
$37,538.24
Investment Growth Over Time (in today's money)
Yearly Breakdown
₹5,000/month for 3 years at 12%
Investing ₹5,000 every month for 3 years (a total of ₹1,80,000 invested) grows to about ₹2,17,538 at an assumed 12% annual return — a wealth gain of roughly ₹37,538.
These figures are illustrative; use the calculator above to model your own monthly amount, expected return, and step-up.
Year-by-year growth
| Year | Invested | Value | Gain |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
Frequently asked questions
How much will a ₹5,000 monthly SIP be worth in 3 years?
At an assumed 12% annual return, a ₹5,000 monthly SIP over 3 years grows to approximately ₹2,17,538. Actual returns vary with market performance.
Is a 3-year SIP a good investment horizon?
A 3-year horizon is on the shorter side for equity SIPs; consider hybrid or debt funds to reduce volatility, or extend the horizon for better compounding.