SIP Calculator: ₹7,500/month for 5 Years
At 12% expected annual returns - adjust inputs below to match your fund's performance.
Estimated Corpus
₹6.19 L
at 12% p.a.
Total Invested
₹4.50 L
at 12% p.a.
Wealth Gained
₹1.69 L
at 12% p.a.
Customize your SIP plan
Future Value
₹6.19 L
In today's money: ₹4.62 L(6% inflation)
Total Invested
₹4.50 L
Wealth Gained
₹1.69 L
Investment Growth Over Time
What SIP do I need to reach a goal?
What happens to ₹7,500/month SIP over 5 years?
A SIP of ₹7,500 per month for 5 years at 12% annual returns grows to ₹6.19 L. You invest a total of ₹4.50 L, but your money works harder - generating ₹1.69 L in returns through the power of compounding. That is a 37% return on your invested capital.
Corpus at different return rates
| Annual return | Corpus after 5 years | Wealth gained |
|---|---|---|
| 10% · conservative | ₹5.86 L | ₹1.36 L |
| 12% (used here) | ₹6.19 L | ₹1.69 L |
| 15% · aggressive | ₹6.73 L | ₹2.23 L |
Returns are never guaranteed — equity funds swing year to year and average out over the long run. Use a conservative 10–12% for planning and treat anything higher as upside.
Step it up 10%/year
₹7.38 L
about ₹1.20 L more than a flat SIP — by raising your SIP with each salary hike.
Worth in today's money
₹4.62 L
the ₹6.19 L corpus adjusted for 6% inflation over 5 years.
Frequently Asked Questions
What will ₹7,500 SIP per month grow to in 5 years?▾
A monthly SIP of ₹7,500 for 5 years at 12% annual returns grows to approximately ₹6.19 L. You invest ₹4.50 L in total, and ₹1.69 L of that is wealth gained from compounding — a 37% gain on your invested capital.
How much does the return rate change the outcome?▾
SIP outcomes are very sensitive to returns. For ₹7,500/month over 5 years: at a conservative 10% you'd have about ₹5.86 L, at 12% about ₹6.19 L, and at an aggressive 15% about ₹6.73 L. Equity mutual funds have historically averaged 11–13% over long periods, but returns are never guaranteed.
What if I step up my SIP by 10% every year?▾
Increasing your SIP by 10% a year (in line with salary hikes) turns this plan into about ₹7.38 L — roughly ₹1.20 L more than a flat ₹7,500 SIP, for the same starting amount. A step-up SIP is one of the most effective ways to build a larger corpus without straining your budget early on.
What is ₹6.19 L worth in today's money?▾
Adjusted for 6% inflation, the ₹6.19 L you'd have after 5 years is worth about ₹4.62 L in today's purchasing power. Inflation is why equity SIPs matter — they aim to grow faster than inflation, unlike a savings account.
Is ₹7,500 per month a good SIP amount?▾
Any SIP amount works as long as it is consistent and started early. ₹7,500/month for 5 years builds ₹6.19 L from just ₹4.50 L invested. Starting earlier and stepping up over time matter far more than the exact starting amount.
Which mutual fund is best for a ₹7,500 SIP?▾
For long horizons (5 years), diversified large-cap, flexi-cap, or index funds are commonly used core holdings; ELSS funds add an 80C tax benefit. Category averages have been 11–14% over 10+ years, but past performance doesn't guarantee future returns. Consult a SEBI-registered advisor before choosing a specific fund.