SIP Calculator India

SIP Calculator

Online SIP Calculator in India for Return Estimates

Warren Buffet has rightly said, ‘If you don’t find a way to make money while you sleep, you will work until you die.’

And, a Systematic Investment Plan (SIP) or SIP Calculator is surely that way to invest in the equity markets of India through mutual funds. It makes you financially disciplined and generates a habit of saving a little amount every month for a secure future. Online SIP calculator is a tool that gives you a general idea pertaining to the returns that you receive through your investments. Using this, you will be able to get a rough estimate of how much your financial goals will be achieved based on the annual rate of return.

There are a few numerical inputs like investment amount or target amount, expected rate of return, investment tenure and step-up rate that you are supposed to fill. With these inputs, our SIP calculator online in india can easily let you know the expected return from your SIP investment. Whether you want your output in graphical or chart format, we will serve you with the easiest approach and let you know about the investment amount, potential capital gains and maturity amount.

Please note that this SIP Return calculator online doesn’t guarantee any returns; it simply shows the estimated return which is hugely dependent on the performance of the fund you have invested in. The actual return may vary as it can be higher or lower than the expected return given by the SIP calculator india.

How Does an SIP Calculator Work in India?

It uses the compound interest formula to calculate the expected returns on the investment. The formula which is used here is as follows:

M= P x ({[1 + i] n - 1} / i) x (1 + i)

M is the total amount of money you receive at the time of maturity of the fund.

P is the specific amount you invest at regular intervals every month.

N is the number of payments you’ve done so far.

I is the periodic rate of interest.

Thus, in order to calculate the returns, you have to insert the following values:

  • Monthly amount you want to invest
  • Potential rate of return
  • The investment periods

Let’s see how the SIP calculator through an example:

For instance, if you want to invest Rs 2000 every month for a year (12 months) at a periodic rate of interest of 12%. So, the monthly return will be 12%/12= 0.01).

Hence, if we insert these values in the formula like:

M= 2000X ({1+0.01)(12)-1}/0.01) x (1+0.01)

then we get 25,602 approximately in a year.

Maximize Your Investment Returns with an Instant SIP Calculator

Do you want to know about the potential returns you would receive at the end of your investment tenure? Get instant information about your investment scenario through the SIP calculator which helps you to compare a plethora of SIP options by trying inputs in the formula. Also, it will allow you to make informed financial decisions regarding your investments.

This SIP return calculator gives you the complex calculative results very swiftly. Just click on the ‘Calculate’ button and you will get the output in a few seconds. You can check and compare the returns of different SIP schemes to understand which scheme will give profitable returns to achieve your financial goals.

As this SIP calculator is free of cost, you can use it as many times as you want without worrying about paying money. It is truly a beneficial tool that will take your investment journey to new heights. You can make the best of this SIP calculator and become the smartest investor of the 21st century!

How to Invest in SIP?

The process to start your SIP mutual fund investments is easy and free from hassles. All you need is to follow these simple steps to get started:

  1. First things first, you need to identify the right asset class for your investment based on your set financial goals.
  2. Select the mutual fund on the basis of your research, and then only move forward with the investment.
  3. Complete your KYC details which requires you to complete the application form by submitting address and identity proof.
  4. Choose the date of SIP so that the SIP amount will automatically be debited from your bank account on the date you’ve selected.


For how long should I invest in SIP?

The minimum tenure is 3 years but there is no limitation in investments as you can invest as long as you wish to.

How much should I invest in SIP every month?

There is no limitation to how much you can invest in SIP as the amount you choose depends on your financial goal, investment tenure, and capacity to invest. The amount differs from investor to investor, and thus it should entirely be your decision. Having said that, the least amount one can invest in SIP is Rs. 500.

Can I change my SIP amount?

Use our SIP return calculator tool in india to check the returns you would be receiving from your investments, and you can surely increase or decrease your SIP amount. Whether you want to invest more or less, it is entirely your choice.

Can I pause my SIP for a specific period of time?

Yes, in case you want to stop your SIP for a specific period of time, then mutual fund companies offer this option as well.

Can I renew my SIP?

SIPs are automatically renewed which doesn’t require any effort, but if you want you can even cancel this auto-renew feature.

Is SIP and mutual fund the same thing?

SIP is an investment vehicle which helps you invest in your preferred scheme to meet your financial objectives. And, a mutual fund is that investment product in which you wish to invest.

Is SIP better or a lump sum amount?

If you have a huge amount in hand to invest, then you can surely go for a lump sum amount. But, if you wish to make disciplined investments without experiencing financial burden, then SIP is better wherein you will invest a fixed amount over a period of time.

Which is better: SIP or FD?

If you are an investor who wants to play safe or invest in a secure, predetermined rate of interest, then you would not prefer taking any sort of risk and FD is a better option. But if you have a different investment objective, risk-taking capacity, and fluctuations in returns, then invest in a right, profitable fund through SIP.