SIP Calculator for ₹3,000 per Month
A ₹3,000/month SIP puts you solidly on the path to long-term wealth creation. Here's your expected corpus at various tenures and return rates.
₹3,000/month · 15 years · 12% p.a.
₹15.14 L
Invested: ₹5.40 L · Gains: ₹9.74 L
Returns at Different Annual Rates (15 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹5.40 L | ₹7.14 L | ₹12.54 L |
| 12% (Moderate) | ₹5.40 L | ₹9.74 L | ₹15.14 L |
| 15% (Optimistic) | ₹5.40 L | ₹14.91 L | ₹20.31 L |
Estimates only. Past performance does not guarantee future returns.
₹3,000/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹1.80 L | ₹2.34 L | ₹2.47 L | ₹2.69 L |
| 10 yrs | ₹3.60 L | ₹6.20 L | ₹6.97 L | ₹8.36 L |
| 15 yrs ★ | ₹5.40 L | ₹12.54 L | ₹15.14 L | ₹20.31 L |
| 20 yrs | ₹7.20 L | ₹22.97 L | ₹29.97 L | ₹45.48 L |
| 25 yrs | ₹9.00 L | ₹40.14 L | ₹56.93 L | ₹98.52 L |
| 30 yrs | ₹10.80 L | ₹68.38 L | ₹1.06 cr | ₹2.10 cr |
★ marks your selected tenure above.
Frequently Asked Questions
How much will ₹3,000/month SIP create in 20 years?
At 12% annual returns, ₹3,000/month for 20 years grows to approximately ₹29.97 lakhs. Your total invested amount is ₹7.2 lakhs, with ₹22.77 lakhs coming purely from market returns.
Can I retire on ₹3,000/month SIP?
It depends on your retirement timeline. ₹3,000/month for 30 years at 12% builds roughly ₹1.05 crores — a meaningful corpus, but likely insufficient for most retirement needs. Consider increasing your SIP or adding lumpsum investments.
Should I split ₹3,000 across multiple funds?
With ₹3,000/month, 2–3 funds is sufficient. Consider one large-cap/index fund and one flexi-cap or mid-cap fund. More diversification than this adds complexity without meaningfully reducing risk.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
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