Sip Calculator
"I only have ₹500 to invest — is it worth starting a SIP?" Yes, absolutely. Starting small and starting early will always beat starting big and starting late. Let's show you the exact numbers for ₹500, ₹1000, ₹2000, and ₹5000 monthly SIPs across different timelines.
₹500/Month SIP Returns at 12% CAGR
| Duration | Total Invested | Estimated Returns | Total Corpus |
|---|---|---|---|
| 5 Years | ₹30,000 | ₹11,200 | ₹41,200 |
| 10 Years | ₹60,000 | ₹55,800 | ₹1,15,800 |
| 15 Years | ₹90,000 | ₹1,61,100 | ₹2,51,100 |
| 20 Years | ₹1,20,000 | ₹3,79,400 | ₹4,99,400 |
| 25 Years | ₹1,50,000 | ₹7,98,800 | ₹9,48,800 |
A ₹500/month SIP for 25 years grows to nearly ₹9.5 lakhs! You invest ₹1.5 lakhs and earn ₹8 lakhs in returns. That's the power of time + compounding.
₹1000/Month SIP Returns at 12% CAGR
| Duration | Total Invested | Estimated Returns | Total Corpus |
|---|---|---|---|
| 5 Years | ₹60,000 | ₹22,400 | ₹82,400 |
| 10 Years | ₹1,20,000 | ₹1,11,600 | ₹2,31,600 |
| 15 Years | ₹1,80,000 | ₹3,22,200 | ₹5,02,200 |
| 20 Years | ₹2,40,000 | ₹7,58,800 | ₹9,98,800 |
| 25 Years | ₹3,00,000 | ₹15,97,600 | ₹18,97,600 |
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Assumes 12% CAGR. Full Calculator →
The "Skip One Coffee" Investment Philosophy
One cup of coffee at a café costs ₹200–300. Skip 2 coffees per month and you have your ₹500 SIP. In 20 years, those 2 skipped coffees per month = nearly ₹5 lakhs in wealth. The point isn't to deprive yourself — it's to show that small consistent actions compound into life-changing wealth.
Multi-SIP Comparison (@ 12% CAGR, 20 Years)
| Monthly SIP | Total Invested | 20-Year Corpus |
|---|---|---|
| ₹500 | ₹1.2 L | ₹4.99 L |
| ₹1,000 | ₹2.4 L | ₹9.99 L |
| ₹2,000 | ₹4.8 L | ₹19.97 L |
| ₹5,000 | ₹12 L | ₹49.93 L |
| ₹10,000 | ₹24 L | ₹99.91 L |
Start Your ₹500 SIP Today ↓
Use our free calculator to see exactly what your monthly amount will grow into. No minimum amount is too small to start.
Open SIP Calculator →Frequently Asked Questions
What will ₹500 per month SIP give in 10 years?
At 12% CAGR, a ₹500/month SIP for 10 years grows to approximately ₹1.16 lakh. You invest ₹60,000 and earn ₹56,000 in returns — almost doubling your money.
What is the return on ₹1000 SIP per month for 10 years?
At 12% CAGR, a ₹1000/month SIP for 10 years grows to approximately ₹2.32 lakhs. Total invested: ₹1.2 lakh. Returns earned: ₹1.12 lakh.
Can I start SIP with ₹100?
Some mutual fund platforms allow SIPs as low as ₹100/month (like Groww, Zerodha Coin). However, the minimum for most AMCs directly is ₹500/month.
Is ₹500 SIP worth it?
Absolutely. The habit of investing regularly matters more than the amount. A ₹500 SIP builds the discipline that you'll scale up as your income grows. Start small, increase annually via step-up SIP.