SIP Calculator

SIP Calculator

Result

total investment: ₹0
Future Amount: ₹0
Profit Earned: ₹0

SIP Calculator – Your Smart Systematic Investment Plan Calculator

A powerful tool to visualize your financial future

Our SIP Calculator helps you project potential returns from regular mutual fund investments. Whether you’re saving for a dream home, your child’s education, or retirement planning, this calculator transforms your monthly investments into meaningful financial goals.

Key Features:
• Instant future value projections
• Adjustable investment scenarios
• Visual growth charts
• Step-up SIP calculations

What is a SIP Calculator?

Your crystal ball for investment planning

A SIP calculator is a digital financial tool that estimates the future value of your Systematic Investment Plan (SIP) in mutual funds. It answers the crucial question: “How much will my regular investments grow over time?”

How it helps:
Project’s maturity amount based on your monthly contribution
Illustrates the power of compounding
Helps compare different investment scenarios
Eliminates guesswork in financial planning

Example: ₹10,000/month at 12% for 15 years = ₹50 lakhs (₹18L invested + ₹32L returns)

Follow these steps:

  1. Enter Monthly SIP Amount (e.g., ₹10,000).

  2. Input Expected Return Rate (e.g., 12% for equity funds).

  3. Select Investment Tenure (e.g., 15 years).

  4. Click ‘Calculate’ – View total investment, returns, and maturity value.

SIP Calculator

How Can a SIP Return Calculator Help You?

5 Ways It Transforms Your Investment Strategy

  1. Goal Setting

    • Calculate exactly how much to invest for specific goals

    • See how increasing tenure or amount affects outcomes

  2. Compounding Visualization

    • Watch how small, regular investments snowball over decades

  3. Informed Decisions

    • Compare different return rate scenarios

    • Evaluate step-up SIP options (increasing investments yearly)

  4. Risk Assessment

    • Test conservative vs aggressive return assumptions

  5. Progress Tracking

    • Benchmark your actual investments against projections

Pro Tip: Use alongside an FD calculator to compare market-linked vs fixed returns!

How Do SIP Calculators Work?

A SIP plan calculator works on the following formula –

M = P × ({[1 + i]^n – 1} / i) × (1 + i).

In the above formula –

  • M is the amount you receive upon maturity.
  • P is the amount you invest at regular intervals.
  • n is the number of payments you have made.
  • i is the periodic rate of interest.

Take for example you want to invest Rs. 1,000 per month for 12 months at a periodic rate of interest of 12%.

then the monthly rate of return will be 12%/12 = 1/100=0.01

Hence, M = 1,000X ({[1 +0.01 ]^{12} – 1} / 0.01) x (1 + 0.01)

which gives Rs 12,809 Rs approximately in a year.

The rate of interest on a SIP will differ as per market conditions. It may increase or decrease, which will change the estimated returns.

How to Use Our Systematic Investment Plan Calculator

4 Simple Steps to Financial Clarity

  1. Enter Your SIP Amount

    • Start with what you can afford (even ₹500/month)

  2. Input Expected Return Rate

    • Conservative estimate: 10-12% for equity funds

    • Moderate estimate: 7-8% for hybrid funds

  3. Select Investment Duration

    • Longer tenures show compounding magic

  4. Get Instant Results

    • Total invested amount

    • Estimated returns

    • Projected maturity value

    • Year-by-year growth chart

Advanced Tip:
Use the “Step-Up” feature to calculate increasing investments annually (e.g., 10% yearly increase)

How to Start SIP Investment?

You can easily start a Mutual Fund SIP on the Angel One app by taking the following steps:

  1. Go to the Home page and click on Mutual Funds.
  2. Choose the Fund that you want to invest in from the section titled ‘Discover Mutual Funds’. You can start your search by clicking on ‘EXPLORE ALL FUNDS’. You can also narrow down your search by clicking on the categories of funds given.
  3. Once you have gone through the details of a mutual fund and chosen it, click on ‘INVEST’.
  4. Choose the SIP option and enter the monthly amount and date i.e. the day of the month when the SIP payments will be made from your account.
  5. Choose the mode of payment e.g. UPI.
  6. Click on ‘START SIP’ to start the SIP process.
  7. You can choose to make your first SIP payment right away as well by checking the box next to ‘Make first SIP payment now’.

 

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