What a monthly SIP can grow to over time
The longer you stay invested, the more compounding does the heavy lifting. This chart shows one illustration of a monthly SIP at different horizons. Free to embed on your own site.
Illustration only, not a forecast or advice. It assumes a steady 12% a year compounded monthly, which real markets never deliver; returns are not guaranteed and costs and taxes reduce the final figure. Use the SIP calculator for your own numbers.
This is an illustration to show how compounding works, not advice or a forecast. It assumes a steady 12% a year compounded monthly, which real markets never deliver. Returns are not guaranteed, and costs and taxes reduce the final figure.
Why the later bars jump so much
Each year, the returns themselves earn returns. Early on, the final value is not far above what you put in. Over 20 and 30 years the gap widens sharply: that gap is compounding. The lesson is less about the exact percentage and more about starting early and staying invested. See the full idea in the mutual funds and SIP guide.
Work out your own numbers
- SIP calculator and lumpsum calculator
- How compounding works and SIP vs lumpsum
- Risk and return
- Browse all GreenFunds data charts
Questions people ask
How much can a 5,000 rupee monthly SIP grow to?
It depends entirely on the return and how long you stay invested. The chart shows one illustration at an assumed 12% a year: the longer the horizon, the larger the gap between what you put in and the estimated value, because of compounding. Enter your own amount, return and years in the SIP calculator.
Is the 12% return guaranteed?
No. The 12% is an assumption used only to show the shape of compounding. Real mutual fund returns move up and down and are never guaranteed, and costs and tax reduce the final figure. Treat every number here as an illustration, not a promise.
What is a SIP?
A systematic investment plan is a fixed amount invested at a regular interval, usually monthly, into a mutual fund. Because you invest through ups and downs, you buy more units when prices are low and fewer when they are high. Learn the idea in the mutual funds and SIP guide.