Model the exact growth trajectory of monthly automated deposits across 5, 10, 15, and 20-year investment horizons.
Simulate monthly systematic contributions and annual returns
Investing ₹5,000/month for 10 years will grow into ₹11.62L. Your gains are ₹5,61,695.
₹6,00,000
₹5,61,695
₹11,61,695
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹60,000 | +₹4,047 | ₹64,047 |
| Year 2 | ₹1,20,000 | +₹16,216 | ₹1,36,216 |
| Year 3 | ₹1,80,000 | +₹37,538 | ₹2,17,538 |
| Year 4 | ₹2,40,000 | +₹69,174 | ₹3,09,174 |
| Year 5 | ₹3,00,000 | +₹1,12,432 | ₹4,12,432 |
| Year 6 | ₹3,60,000 | +₹1,68,785 | ₹5,28,785 |
| Year 7 | ₹4,20,000 | +₹2,39,895 | ₹6,59,895 |
| Year 8 | ₹4,80,000 | +₹3,27,633 | ₹8,07,633 |
| Year 9 | ₹5,40,000 | +₹4,34,108 | ₹9,74,108 |
| Year 10 | ₹6,00,000 | +₹5,61,695 | ₹11,61,695 |
Committing just ₹5,000 every month totals only ₹60,000 a year. Yet, over 15 years at an assumed 12% CAGR, that modest monthly discipline yields over ₹25.2 Lakhs in total wealth—of which more than ₹16.2 Lakhs is pure compounded profit.
Monthly SIPs synchronize naturally with corporate salary disbursements. By deducting money immediately after pay day, investors automatically practice the “save first, spend later” principle before discretionary spending occurs.