SIP Calculator: What Will Be Your Corpus Value by Following the 15:15:15 Rule?

When it comes to building long-term wealth, many of us wonder: How much should I invest? For how long? And what kind of returns should I expect? Enter the 15:15:15 Rule, a simple yet powerful concept that promises to turn disciplined investing into substantial wealth. But is it realistic? Let’s break it down.

What is the 15:15:15 Rule?

The 15:15:15 Rule is a widely discussed strategy in the personal finance world, particularly when planning for long-term goals like retirement, child’s education, or financial independence. The concept is simple:

• Invest ₹15,000 per month
• For 15 years
• Expecting an annual return is 15%

SIP Calculation: What Does It Add Up To?

Let’s plug the numbers into a SIP calculator and see what happens:

• Monthly SIP: ₹15,000
• Tenure: 15 years
• Expected Annual Return: 15%

Here’s what you get:

• Total Invested Amount: ₹27,00,000
• Estimated Returns: ₹74,52,946
• Total Corpus Value: ₹1,01,52,946

The magic here lies in compound interest. As you invest every month, your returns start generating their own returns, especially as time progresses. The longer you stay invested, the more powerful compounding becomes.

Also Read: Planning a ₹2 Crore Corpus Through SIP: Here’s How Much You Need to Invest

️Is the 15% Return Realistic?

A 15% return is ambitious but not impossible, especially when investing in equity mutual funds or direct stocks over a long horizon. Historically, Indian equity markets have delivered returns in that range, but they come with volatility. Hence, it is better to plan with slightly conservative estimates (12%–13%) and treat any upside as a bonus.

Conclusion

The 15:15:15 Rule is not a guaranteed formula, but a motivational framework to help you start your investment journey with clarity and purpose. The actual returns are subject to market conditions, fund performance, economic factors and your ability to stay invested during downturns.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.