SIP Calculator for 5 Years
5-year SIPs are ideal for medium-term financial goals — buying a car, funding a wedding, or building an emergency corpus. Here's a complete 5-year SIP projection table.
₹5,000/month · 5 years · 12% p.a.
₹4.12 L
Invested: ₹3.00 L · Gains: ₹1.12 L
Returns at Different Annual Rates (5 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹3.00 L | ₹90,412 | ₹3.90 L |
| 12% (Moderate) | ₹3.00 L | ₹1.12 L | ₹4.12 L |
| 15% (Optimistic) | ₹3.00 L | ₹1.48 L | ₹4.48 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
Is 5 years enough for SIP in equity funds?
5 years is the minimum recommended tenure for equity mutual fund SIPs. Shorter periods carry higher market timing risk. For 5-year goals, consider balanced hybrid funds or flexi-cap funds to reduce volatility while maintaining reasonable return potential.
What SIP amount do I need to accumulate ₹5 lakhs in 5 years?
At 12% returns, you need approximately ₹6,100/month SIP to accumulate ₹5 lakhs in 5 years. At 10% returns, approximately ₹6,300/month. Use the interactive calculator above for precise calculations.
Should I stop SIP after 5 years or continue?
If you do not need the money, continue investing — the power of compounding accelerates after the 10-year mark. Many investors withdraw after 5 years and lose the exponential growth phase. Only stop if you need the funds for a specific goal.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
Open Interactive SIP Calculator →