SIP Calculator 40 Years: Rs. 5000/month can give Rs. 5 Crore

SIP Calculator 40 Years: Rs. 5000/month can give Rs. 5 Crore or more

Investing in mutual funds via SIP is considered an effective way to accumulate wealth in long term. Here's a look at how much one may get with Rs. 5000 monthly SIP for 40 Years

[{"selector":"#anim-26eac23a-499f-4d19-8322-a0ed0621ea5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-507cd909-c684-487f-a9e0-91bd1b045550","keyframes":{"transform":["translate3d(0px, 217.75599%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b8ba332d-345f-4a46-8701-b9505ac5f748 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-28.88175074293542%, 0, 0) translate(-25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"fill":"forwards"}]

Before reading further, please note that the wealth that you can accumulate with SIP will depend on the actual returns your fund may give.

[{"selector":"#anim-0dc8d8a1-6006-4328-aeb2-b77dca3eb22a","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3e42bf75-a87a-49d8-81c9-6c33a6a8ad23","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-bb3cdf71-956c-46cc-902c-c99583a4cd46","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-790f33aa-4d66-4564-a576-4a0be1ec34ca","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9e03f1f9-3cf2-4f2a-b263-792c7b068460 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

If returns are high, you'll have a larger corpus. If not, your final corpus will be small. For your understanding, we have calculated assuming 8%, 10%, 12% and 15% annualised returns.

[{"selector":"#anim-fa89147e-bcd1-48a1-b6b3-8aa2f26dc837","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-821ffea3-58d1-4b37-b7ab-3841aedbfbd5","keyframes":{"transform":["translate3d(0px, 218.53558%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed582b57-2f7e-4573-a9cb-f2a7dff69ec1","keyframes":{"transform":["rotate(-540deg) scale(0.1)","none"],"opacity":[0,1]},"delay":0,"duration":1000,"fill":"both","iterations":1}] [{"selector":"#anim-758058e4-41b0-4e4f-96da-53c8d3819fdb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-14.843749786673241%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

The SIP calculator shows that a monthly investment of Rs. 5000 at 12% annualised returns will grow to approx Rs. 5.7 Crore in 40 Years

[{"selector":"#anim-13f5ea5b-ec05-4f04-acf0-c7f77b967831","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b160ae1e-a436-4cf3-b317-3e2d24fd17ee","keyframes":{"transform":["translate3d(0px, -272.08671%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c6f16af7-b126-4db5-911a-4659f67ceea2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c2a613a7-c04a-4ab4-b1ae-ae2e2a190cd3","keyframes":{"transform":["translate3d(0px, -143.50186%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d55ed70-55e9-4ab6-9fae-509f26c24e0e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.248121128699296%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

The SIP calculator shows that a monthly investment of Rs. 5000 at 10% annualised returns will grow to approx Rs. 2.9 Crore in 40 Years

[{"selector":"#anim-fb08d066-ed88-4d36-b363-0d50c3ef6d2e","keyframes":{"transform":["translate3d(-117.64707%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0887c9c-cb38-424e-9fef-ffb7f5d1cd94","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97831e36-bdf9-4e0f-b49a-78c9cbf99be2","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-b2d27408-e2a0-4c3c-9a4b-39ece6225efc","keyframes":{"transform":["translate3d(-102.54452%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f82ca222-5822-4537-9d94-363caca7cae3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-169ad42a-294c-4e4b-9505-08df6df8c7a8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-69d698fd-34ff-4981-87e8-27b244b258eb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

The SIP calculator shows that a monthly investment of Rs. 5000 at 8% annualised returns will grow to approx Rs. 1.5 Crore in 40 Years

[{"selector":"#anim-9d6a8af8-2f79-4e90-b339-699e28114e65","keyframes":{"transform":["translate3d(103.08483%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41a034ca-1ba3-4753-9665-b8273c1a7143","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd019e11-a718-44b6-8a33-4064a60c3599","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-97af4885-ce87-4af6-8131-708562e2315e","keyframes":{"transform":["translate3d(118.66668%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-98a40473-012c-4368-898f-4bf52c08c681","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b80c15bf-6ed3-4fd8-9786-95c7d1abd477","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-db23c65a-07bd-4b0f-9c74-94280ac2bd05 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

The SIP calculator shows that a monthly investment of Rs. 5000 at 15% annualised returns will grow to approx Rs. 15.5 Crore in 40 Years

[{"selector":"#anim-5f639c8d-dad1-4c03-8d9a-c6216946982c","keyframes":{"transform":["translate3d(-103.64584%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9e19eaf8-8cba-4114-ba06-a3fcd6f86e94","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c81acefc-06b6-40ab-9be4-23f0b55b1a3d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-80194af1-ccce-41bc-bbbb-2285119cb5ea","keyframes":{"transform":["translate3d(-120.06803%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bae2382-6823-4c4c-8d35-3fa8f5ec92ae","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bcd7db9-8ae5-4af4-8953-f08ee2a2814e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-7b9a3103-ea57-45e5-b6b5-7bd5689eddae [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(47.72529300293789%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

It is important to note that selecting the right fund for long-term investment is crucial to get the desired corpus.

[{"selector":"#anim-2a3b01c1-40df-4b67-bf8b-a94dd854dedb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(34.172820948883164%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-e01d5214-1810-429d-88cb-5d61c48ec621","keyframes":{"transform":["translate3d(-103.9267%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89569cd6-90c5-41bd-a681-954350b3a37a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f60446b3-555d-4d76-8554-db51f3237279","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-82a26e3a-4f72-468c-98b8-22fa347ee183","keyframes":{"transform":["translate3d(-120.06803%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1d0fedb-ab93-4b25-97b0-c34cab778f0c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46fc7961-d444-4b05-b6d6-d9f432a2026d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

At the same time, understanding your life's financial goals, risk appetite and risk capacity is also important before making any investment decisions.

[{"selector":"#anim-74308537-33fe-4701-9f2b-b924b0c2bd7f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.25267845767055%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1ee8db0c-ee77-41d9-8fdc-3b87afd007d6","keyframes":{"transform":["translate3d(-103.9267%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c8f5674-ab31-48fd-a1ce-5dbe66020ce6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a915c050-4617-411b-9732-4774e9c5cd14","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-31f0bc0d-f8d5-4124-9b67-ec307acf837c","keyframes":{"transform":["translate3d(-120.06803%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-302df3b5-a9f6-494c-9892-14630456a445","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d57388d-9d76-4aa6-a041-3580d877f853","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

As there are so many SIP schemes, it is advisable to consult a SEBI-registered financial advisor, who will help you in making the right decision.

[{"selector":"#anim-76821312-dea8-43e2-aec7-ddb312700352 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-2f2866fa-dacf-4c4c-b712-62491fa6c265","keyframes":{"transform":["translate3d(-103.9267%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66aaa3cb-07fa-4f55-9d9a-f37039d39c63","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10f0938b-41e3-484a-998d-a8ec4c11709c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2cdb6f74-5844-4c21-b9d0-e4280b5fef52","keyframes":{"transform":["translate3d(-120.06803%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c77c003c-b06d-4a20-93fe-e556637e5361","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5baafe4f-1600-46e3-a662-c860782c68c1","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]