SIP Calculator for 15 Years
15 years is where SIP compounding enters its most powerful phase. At this horizon, the returns earned begin dwarfing the total amount you invested.
₹5,000/month · 15 years · 12% p.a.
₹25.23 L
Invested: ₹9.00 L · Gains: ₹16.23 L
Returns at Different Annual Rates (15 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹9.00 L | ₹11.90 L | ₹20.90 L |
| 12% (Moderate) | ₹9.00 L | ₹16.23 L | ₹25.23 L |
| 15% (Optimistic) | ₹9.00 L | ₹24.84 L | ₹33.84 L |
Estimates only. Past performance does not guarantee future returns.
₹5,000/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹3.00 L | ₹3.90 L | ₹4.12 L | ₹4.48 L |
| 10 yrs | ₹6.00 L | ₹10.33 L | ₹11.62 L | ₹13.93 L |
| 15 yrs ★ | ₹9.00 L | ₹20.90 L | ₹25.23 L | ₹33.84 L |
| 20 yrs | ₹12.00 L | ₹38.28 L | ₹49.96 L | ₹75.80 L |
| 25 yrs | ₹15.00 L | ₹66.89 L | ₹94.88 L | ₹1.64 cr |
| 30 yrs | ₹18.00 L | ₹1.14 cr | ₹1.76 cr | ₹3.50 cr |
★ marks your selected tenure above.
Frequently Asked Questions
How much wealth does ₹5,000/month SIP build in 15 years?
At 12% annual returns, ₹5,000/month for 15 years grows to approximately ₹25.23 lakhs. Total invested is ₹9 lakhs, with ₹16.23 lakhs from returns — more than 1.8x your invested capital generated as pure gains.
Is 15-year SIP good for retirement planning?
A 15-year SIP forms a strong foundation for retirement. However, for most working professionals with 25–35 years to retirement, a 20–30 year horizon is more appropriate to build an adequate corpus. 15 years is excellent for mid-career investors starting late.
How does inflation affect 15-year SIP returns?
At 6% inflation, the real purchasing power of your corpus is reduced. ₹25 lakhs in 15 years has the purchasing power of approximately ₹10–12 lakhs in today's money. Choose return targets of at least 12% to ensure inflation-beating real returns.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
Open Interactive SIP Calculator →