SIP Calculator for 5 Years
See how much a monthly SIP grows in 5 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
$412,431.83
(or $355,767.32 in today's money)
Total Contributions
$300,000.00
Total Interest Earned
$112,431.83
Investment Growth Over Time (in today's money)
Yearly Breakdown
₹5,000/month for 5 years at 12%
Investing ₹5,000 every month for 5 years (a total of ₹3,00,000 invested) grows to about ₹4,12,432 at an assumed 12% annual return — a wealth gain of roughly ₹1,12,432.
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 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
Frequently asked questions
How much will a ₹5,000 monthly SIP be worth in 5 years?
At an assumed 12% annual return, a ₹5,000 monthly SIP over 5 years grows to approximately ₹4,12,432. Actual returns vary with market performance.
Is a 5-year SIP a good investment horizon?
A 5-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.