SIP Calculator: ₹2,000 Or ₹6,000 SIP, Which Builds a Higher Corpus from The Same ₹7.2 Lakh Investment

Both investors put in the same ₹7,20,000, yet the final corpus is nowhere close. The reason is not magic. It is simply how compounding behaves when time changes. 

SIP Calculator– Investor A: ₹2,000 a Month for 30 Years 

Investor A stays invested for much longer, even though the monthly SIP amount is smaller. 

Investment details 

1. SIP amount: ₹2,000 per month
2. Expected return: 12% CAGR
3. Time period: 30 years 

Result after 30 years 

1. Total value: ₹70,59,828
2. Invested amount: ₹7,20,000
3. Estimated returns: ₹63,39,828 

SIP Calculator– Investor B: ₹6,000 a Month for 10 years 

Investor B invests a higher amount each month but stops far earlier. 

Investment details 

1. SIP amount: ₹6,000 per month
2. Expected return: 12% CAGR
3. Time period: 10 years 

Result after 10 years 

1. Total value: ₹13,94,034
2. Invested amount: ₹7,20,000
3. Estimated returns: ₹6,74,034 

Who Ends Up with a Higher Corpus in This Comparison 

With the finish lines as stated, Investor A ends higher. 

Investor A corpus: ₹70,59,828 
Investor B corpus: ₹13,94,034 

That is a difference of ₹56,65,794, or about ₹56.7 lakh, despite the invested amount being the same ₹7,20,000. The above calculation done using SIP Calculator. 

SIP calculator– Why the Gap Becomes So Significant 

Time Does Most of the Heavy Lifting 

Compounding is not linear. The longer money stays invested, the more the growth starts to build on itself. A long horizon gives earlier contributions far more time to grow. 

The End Date is Not the Same 

Investor A is measured at 30 years, while Investor B is measured at 10 years. So the comparison is really showing what happens when you give compounding three decades versus one decade. 

Read More: Step Up SIP Calculator: Can a ₹5,000 SIP Grow to Over ₹4 Crore Corpus? 

Conclusion 

This example highlights one practical truth about compounding: when the invested amount is the same, the time period can create a dramatically different corpus. The SIP calculator outputs above show how stretching the horizon changes the maturity value, even without changing the expected return of 12% CAGR. 

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 are subject to market risks, read all the related documents carefully before investing.