SIP Calculator - Calculate SIP Returns Instantly (2024)

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This SIP calculator allows you to calculate the amount you will accumulate on your monthly investment.

Calculate the future value of your SIP investment

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0.0 SIP Calculator - Calculate SIP Returns Instantly (1)

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Systematic Investment Plan Calculator - SIP Calculator

What is SIP Calculator?

SIP calculator is an online tool that calculates the return on your mutual fund investment through SIP, based on an estimated rate of return and the future value of your investment after a certain number of years.

The manual computation can be slightly labor-intensive since SIPs typically involve a monthly payment. Since the holding period for each monthly contribution would be different at any given point in time, the returns for each of these payments will differ as well.

How can a SIP Calculator Help You?

The Systematic Investment Plan calculator essentially gives investors a bifurcation of the future value of the SIP investment with two figures: the estimated return they can expect to make on the investment and the principal.

Therefore, you can use the SIP return calculator to get an overview of how your investment will grow over a certain holding period, assuming a certain rate of return and SIP contribution.

You can also factor in the effect of inflation when using the SIP calculator online, though not explicitly. You could do this by manually figuring out the nominal rate of return you’d expect to earn from your investment, based on your target real rate of return and the prevailing rate of inflation. Then, you just need to use the manually computed rate as your rate of return and enter it into the calculator to start investing in mutual funds.

Let us look at some examples to figure out how this calculator can help you.

How does SIP Returns Calculator Work?

While you don’t need to do the computations manually since you can always find a SIP calculator online, it’s always good to understand where these numbers come from so you feel more confident about your investment strategy.

SIP calculators use the following SIP formula:
FV = P x {[(1 + r)n – 1] ÷ r} x (1 + r)

Where:

FVFuture value of investment
PPrincipal contributions each month
rexpected rate of return (per month)
n Number of contributions towards the principal

For instance, if you want to calculate the FV for a SIP with ₹1,000 monthly contributions for two years and an expected rate of return of 12%, this is what the formula would look like for you:

FV = 1000 x {[(1 + 0.01)24 – 1] ÷ 0.01} x (1 + 0.01)

Note that the r is 0.01 since our expected rate of return is 12% per annum, which translates to 1% per month.

How to use ET Money’s SIP Calculator?

If you know how much you want to invest in Mutual Funds every month, you can use the ET Money SIP Calculator to estimate the potential future value of your monthly investments.

To use this functionality, you need to provide 3 key inputs:

Option 1. If You Know Your Investment Amount

If you know how much you want to invest in Mutual Funds every month, you can use the ET Money SIP Calculator to estimate the potential future value of your monthly investments. To use this functionality, you need to enter the following inputs:

  • Monthly Investment Amount - This is the monthly SIP amount you plan to invest at regular intervals on specific SIP date.
  • Investment Duration - This is the period in years for which you plan to continue your SIP.

After entering the above details in the Mutual Fund SIP calculator, just click on calculate to view the future value of your investments along with a short list of Mutual Funds that might be suitable to help you achieve your investment goal.

Option 2. If You Know Your Investment Goal Amount

If you are planning to invest in order to achieve a specific goal such as buying a new car or arranging for the downpayment of a new house, you would already know how much money you will need. In this case, you can use the sip amount calculator to figure out the monthly SIP you need to reach your investment goal.

To use this feature of the SIP calculator, you need to provide the following inputs:

  • Savings Goal - This is the amount that you have to save to reach your investment goal.
  • Time Period - This is the time period in years within which you plan to reach the investment goal.

Once you have entered the above details, the SIP calculator will provide the monthly SIP amount you need to reach your investment goal within the specified investment tenure.

You can also use the “Adjust Goal Amount for Inflation” feature and select the appropriate rate of inflation to compute the higher SIP amount needed to reach your investment goal after accounting for the impact of inflation.

Advantages of SIP Calculator

Investments made into market-linked instruments such as Mutual Funds do not provide guaranteed returns. So investors might find it difficult to figure out how much their money will grow in the future or how much they need to invest to reach financial goals.

The ET Money SIP Investment Calculator helps overcome these problems and provides the following key advantages to investors:

  • Instantly Calculate Investment Future Value: ET Money SIP Calculator delivers immediate and precise results, sparing you from number-crunching.
  • User-Friendly SIP Calculator: Easily estimate your investment needs with our user-friendly SIP Calculator, suitable for anyone, and it's completely free and unlimited.
  • Empower Informed Investment Choices: Plan your investments effectively with the SIP Calculator, ensuring you meet your financial goals effortlessly.
  • Discover Top Investment Opportunities: Unlike others, our calculator not only predicts future values and monthly investments but also recommends funds to align with your goals.
  • Inflation-Adjusted Results at Your Fingertips: Combat rising costs by effortlessly obtaining inflation-adjusted investment results with a simple button click, a feature lacking in most SIP calculators.

Related Mutual Fund SIP Calculators

SBI SIP CalculatorICICI SIP Calculator
HDFC SIP Calculator Axis SIP Calculator

SIP Calculator - Frequently Asked Questions

Are SIP investment tax-free?

No, most SIP investment returns are taxable. However, SIP investments in tax-saving mutual fund schemes, i.e., ELSS Mutual Funds, are eligible for tax deduction under Section 80C of the Income Tax Act.

What is the Interest Rate of SIP?

SIP returns are market-linked. This means that the returns depend upon the performance of the mutual fund you invest in.

Is SIP suitable for all investors?

SIP is one of the most recommended techniques of investing in mutual funds, especially equity and hybrid funds. Equity and hybrid funds can be volatile and SIPs help smoothen out that volatility over time. With debt funds, SIPs are optional as they tend to be less volatile.

How much can I invest in a SIP?

There is no limit on the amount of SIP investment. You can start with as little as ₹100 per month.

What are the factors to consider while choosing a mutual fund for SIP investment?

While choosing a mutual fund for SIP investment, it is important to consider factors such as the fund’s investment objective, performance across cycles, fund manager’s competence and expense ratio. You should select a fund (category) that aligns with your investment goals and has a consistent track record of delivering returns. Additionally, lower expense ratios can increase your overall returns by reducing the costs associated with investing in the fund.

What is the maximum tenure of a SIP?

There is no maximum tenure for SIPs. You can invest for as long as you want. In fact, perpetual SIPs allow you to invest indefinitely.

Can I modify my SIP amount?

Some types of systematic investment plan (SIP) such as flexible SIP allow you to modify your SIP amount. But in the case of other types of SIP, once you have started a SIP, you are not allowed to modify the SIP amount during the selected investment tenure. You can however pause or cancel the existing SIP based on your investment goals.

How to extend SIP duration?

In the case of a perpetual SIP, there is no SIP end date so, you can continue making SIP investments as long as you like without any need to extend your SIP duration. In the case of other types of SIP, you can get in touch with the fund house or the customer care team of your investment advisor to extend the tenure of your current Mutual Fund SIP.

Can I estimate my SIP return online?

Yes, you can use the ET Money SIP Calculator and Planner to estimate your SIP returns online. Just enter the monthly SIP amount, investment period, and expected returns into the online SIP calculator and planner to know how the estimated future returns from your SIP investment.

SIP Calculator - Calculate SIP Returns Instantly (2024)

FAQs

How to calculate SIP returns manually? ›

Calculate Total Value: Multiply total units by the latest NAV. Calculate Returns: Use = ((Total Value - Total Investment) / Total Investment) * 100 for percentage return.

How much is $5000 for 5 years in SIP? ›

How much is Rs. 5,000 for 5 years in SIP? If you invest Rs. 5,000 per month through SIP for 5 years, assuming 12% return. The estimate total returns will be Rs. 1,12,432 and the estimate future value of your investment will be Rs. 4,12,431.

What if I invest $1,000 a month in SIP for 30 years? ›

If you were to invest Rs 1,000 per month into an equity SIP over a span of 30 years at 12 per cent per annum, you would have invested only Rs 3.6 lakhs. However, your portfolio's value would have grown to an impressive Rs 34.9 lakhs.

What is the 15 rule in SIP? ›

What is 15-15-15 Rule? The rule says to achieve the goal of earning Rs 1 crore, an investor should invest Rs 15,000 monthly through SIP for 15 years, considering a 15% annual return from an equity fund. Consistent adherence to this strategy can lead to significant wealth accumulation.

What if I invest $5000 a month in SIP for 3 years? ›

A monthly SIP of Rs. 5000 for 3 years would have become Rs. 2.38 Lakhs from the total of Rs. 1.8 Lakhs invested over the time period.

How do I calculate daily SIP returns in Excel? ›

Based on the latest NAV value we use the formula – Total Amount = Total Units * Latest NAV, and get the total maturity amount of our SIP investment. We than find the difference between maturity amount and total amount invested to find the profits we made.

What if I invest $10,000 in SIP for 3 years? ›

Rs 10.9 lakh in three years. The regular plan of the scheme has given a return of 62.19% in three years. A SIP of Rs 10,000 under the regular plan of this scheme would have grown to approx. Rs 10.4 lakh.

Which SIP is best for $10,000 per month? ›

Which SIP Is Best for 10000 Per Month Investment?
Fund NameCategory1 year return
HDFC Short Term Debt Fund Direct Plan GrowthDebt3.10%
Aditya Birla Sun Life Short Term Direct Fund GrowthDebt3.90%
SBI Equity Hybrid Fund Direct Plan GrowthHybrid9.60%
Canara Robeco Equity Hybrid Fund Direct GrowthHybrid7.40%
4 more rows

What if I invest $2000 a month in SIP? ›

Investing ₹2000 per month in SIPs for 20 years is a powerful way to build long-term wealth. You can pave the way for a financially secure future with a disciplined approach and the right choice of mutual funds. So why wait? Invest in these options today and make 2024 a year of SIPs!

Which SIP gives the highest return? ›

The three toppers in the list were from one fund house - Quant Mutual Fund. Quant Small Cap Fund, Quant Mid Cap Fund, and Quant ELSS Tax Saver Fund gave 37.30%, 31.84%, and 30.37% returns, respectively on SIP investments in the last seven years.

What happens if I invest 20000 a month in SIP for 10 years? ›

A monthly SIP of Rs 20,000 in Quant Small Cap Fund would have grown to Rs 1.04 crore in the last 10 years. The scheme gave an XIRR of 27.73% in the same period. Quant ELSS Tax Saver Fund would have turned a monthly SIP of Rs 20,000 into Rs 95.38 lakh with an XIRR of 26.04% in the last 10 years.

What is the 7-5-3-1 rule? ›

The first step in the 7-5-3-1 rule is to determine your annual income. Financial experts often suggest initiating your SIP investments with a total amount equivalent to seven times your annual income. This forms the foundation of your investment strategy and helps kickstart your wealth-building journey.

How long should SIP be kept? ›

Thus, the comparison is obvious – the shorter the period, the higher the potential gain, but the worse the possible risk. We get a good answer from the above data: we must carry on our SIPs for at least 3 to 4 years; some lumpsum additions in between can be beneficial for your portfolio.

How to maximize SIP returns? ›

Tips for Maximizing Returns on Mutual Fund SIP - ICICI
  1. Start early. The power of compounding works best when you start early. ...
  2. Be consistent. Consistency is the key to SIP success. ...
  3. Choose the right fund. ...
  4. Increase SIP amount over time. ...
  5. Stay informed. ...
  6. Avoid frequent changes. ...
  7. Reinvest dividends. ...
  8. Use Top-up SIPs.

Can I do SIP manually? ›

Yes, you can make manual SIP payments on Groww. Log in to your Groww app or website and invest in the mutual funds that you wish to invest in every month on the same date from your Mutual Funds Dashboard.

How to calculate SIP returns using CAGR? ›

To calculate the compounded annual growth rate on investment, use the CAGR calculation formula and perform the following steps:
  1. Divide the investment value at the end of the period by the initial value.
  2. Increase the result to the power of one divided by the tenure of the investment in years.
  3. Subtract one from the total.

What is the SIP calculator? ›

A Systematic Investment Plan (SIP) calculator is an online financial tool that can help to calculate the returns you would earn on your SIP investments. The calculator also tells you how much you would need to invest every month to earn a target corpus.

What is the actual return from a SIP? ›

Absolute Return
Initial ValueRs. 1,00,000
Final ValueRs. 1,30,000
Absolute Return [(Final value – Initial value) / Initial value]*100[(130000-100000)/100000]*100 = 30%
Sep 5, 2023

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