The Money Echo
SIP & Compound Interest Calculator
See how small monthly investments echo into serious wealth. Calculate SIP, lump sum, or both — with optional annual step-up.

Your Inputs
Monthly SIP Amount
₹
5000
One-time Lump Sum (optional)
₹
0
Expected Annual Return (%)
12
%
Investment Period (Years)
15
yrs

Enable annual SIP step-up
Currency

₹ Indian Rupee (INR)
Calculate Reset
Results
Total Invested
₹9,00,000
Est. Returns
₹16,22,880
Future Value
₹25,22,880
Invested
Returns
Investing ₹5,000/month at 12.0% for 15 years grows to ₹25,22,880.

Year-wise Breakdown
Year Invested (that year) Total Invested Value at Year End Returns
1 ₹60,000 ₹60,000 ₹64,047 ₹4,047
2 ₹60,000 ₹1,20,000 ₹1,36,216 ₹16,216
3 ₹60,000 ₹1,80,000 ₹2,17,538 ₹37,538
4 ₹60,000 ₹2,40,000 ₹3,09,174 ₹69,174
5 ₹60,000 ₹3,00,000 ₹4,12,432 ₹1,12,432
6 ₹60,000 ₹3,60,000 ₹5,28,785 ₹1,68,785
7 ₹60,000 ₹4,20,000 ₹6,59,895 ₹2,39,895
8 ₹60,000 ₹4,80,000 ₹8,07,633 ₹3,27,633
9 ₹60,000 ₹5,40,000 ₹9,74,108 ₹4,34,108
10 ₹60,000 ₹6,00,000 ₹11,61,695 ₹5,61,695
11 ₹60,000 ₹6,60,000 ₹13,73,074 ₹7,13,074
12 ₹60,000 ₹7,20,000 ₹16,11,261 ₹8,91,261
13 ₹60,000 ₹7,80,000 ₹18,79,656 ₹10,99,656
14 ₹60,000 ₹8,40,000 ₹21,82,090 ₹13,42,090
15 ₹60,000 ₹9,00,000 ₹25,22,880 ₹16,22,880
How this works: SIP returns are calculated using the future value of an annuity formula with monthly compounding. Step-up increases your SIP amount once every year. This is an estimate only — actual mutual fund returns vary. Not financial advice.
Built for The Money Echo · Free to embed · Educational use only