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Calculate your Returns
SIP Calculator
My investment
I expect returns up to
%
Tenure
Suggested Strategy
Total investment
₹ 15,00,000
Estimated Gains
₹ 5,62,159
If you invest ₹ 25,000 per month, in 5 years you will get
Future Value
₹ 20,62,159
My investment
I expect returns up to
%
Tenure
Suggested Strategy
Total investment
₹ 1,00,000
Estimated Gains
₹ 76,234
If you invest ₹ 1,00,000 today, in 5 years you will get
Future Value
₹ 1,76,234
Prospective investors can think that SIPs and mutual funds are the same. However, SIPs are merely a method of investing in mutual funds, the other method being a lump sum. A SIP calculator is a tool that helps you determine the returns you can avail when parking your funds in such investment tools.
SIP Calculator – Systematic Investment Plan Calculator
SIP, or Systematic Investment Plan, is a method of investing in mutual funds that involves investing a fixed amount regularly.
A SIP calculator is a simple tool designed to estimate potential returns on your SIP investments. It calculates the wealth gain and expected returns based on your monthly investment and projected annual return rate.
This gives you a rough estimate of the maturity amount, allowing you to effectively plan and adjust your financial goals to align with future investment outcomes.
What is Mutual Fund SIP Calculator?
A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP. SIP investments in mutual funds have become one of the most popular investment options for millennials lately. These mutual fund sip calculators are designed to give potential investors an estimate on their mutual fund investments. However, the actual returns offered by a mutual fund scheme varies depending on various factors. The SIP calculator does not provide clarification for the exit load and expense ratio (if any). This calculator will calculate the wealth gain and expected returns for your monthly SIP investment. Indeed, you get a rough estimate on the maturity amount for any of your monthly SIP, based on a projected annual return rate.
How can a SIP return calculator help you?
SIPs are a more lucrative mode of investing funds compared to a lump sum amount according to several mutual fund experts. It helps you become financially disciplined and create a habit of savings that can benefit you in the future. A SIP calculator online is a beneficial tool, which shows the estimated returns you will earn after the investment tenure.
Few of the benefits of SIP calculators include
Assists you to determine the amount you want to invest in.
Tells you the total amount you have invested.
Gives an estimated value of the returns.
Optimistic (deflationary) scenario:
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.
is the periodic rate of interest.
How Does the SIP Investment Calculator Work?
A SIP calculator helps you estimate the potential returns on your monthly mutual fund investments. It works using a specific formula:
M = P × ({[1 + i]^n – 1} / i) × (1 + i).
Here,
M is the maturity amount,
P is your monthly contribution,
n is the number of payments, and
i is the periodic interest rate.
Let’s say you invest Rs. 2,000 per month for 12 months at a periodic interest rate of 12%.
The monthly rate would be 12% / 12 = 0.01
Therefore, M = 2000 × ({[1 +0.01 ]^{60} – 1} / 0.01) x (1 + 0.01)
This gives approximately Rs. 25,619 in a year.
This tool accounts for the power of compounding and rupee cost averaging, providing a rough estimate of how your investments could grow over time. It's a quick and easy way for investors to plan and track their financial goals more effectively.
How to Use Tata Moneyfy's Systematic Investment Plan Calculator
Tata Capital Moneyfy's SIP calculator is a simple, free online tool designed to estimate the potential growth of your investments over time. To use the calculator, follow these steps:
Step 1 - Enter the monthly investment amount.
Step 2 - Input the expected annual interest rate.
Step 3 - Specify the investment period in months or years.
After entering this information, the calculator will instantly provide-
- Total investment
- Estimated returns
- Future value of your investment
For instance, if you enter an SIP amount of Rs.5,000, a duration of 2 years, and an interest rate of 12%, the calculator will show-
- Total investment: Rs.1,20,000
- Estimated returns: Rs.16,216
- Future value after 2 years: Rs.1,36,216
If the projected amount doesn’t meet your expectations, you can adjust the investment period or explore other SIP options for higher returns.
By using Tata Capital Moneyfy's SIP calculator, you can plan your investments effectively and ensure you meet your financial goals effortlessly.
SIP Calculator - Frequently Asked Questions
view allYou can start investing in a SIP with as little as ₹500 per month, with no upper limit. Your investment should fit within your financial commitments, like income, expenses, and liabilities. You can use tools like Tata Capital Moneyfy’s SIP calculator to estimate returns.
SIPs don’t have a set maximum tenure. You can invest for as long as you prefer. While some schemes offer specific durations, perpetual SIPs allow you to keep investing indefinitely until you decide to stop.
SIP, like a lump sum, is a method of investing in mutual funds, not an investment tool itself. It allows you to make regular, smaller investments over time, unlike lump-sum investments, where you contribute a larger amount upfront.
Yes, you can modify your SIP amount. To increase the amount, you can start a new SIP in the same fund. If you want to decrease it, you’ll need to stop the current SIP and begin a new one with the desired amount.
SIPs can be used to invest in various types of mutual funds, including debt, equity, and hybrid funds, giving you flexibility based on your risk tolerance and financial goals.
There are several SIP types, such as Regular SIP, Top-Up SIP (which lets you increase contributions over time), and Perpetual SIP, which continues until you decide to stop it.
Tata Capital Moneyfy offers the Auto Pay option for easy SIP renewals. With Auto Pay, your monthly SIP amount will be automatically deducted from your bank account on the scheduled date.
Whether you can pause the SIP depends on the specific mutual fund house. With Tata Capital Moneyfy, you can stop a SIP by going to the Hamburger Menu. Then selecting “Manage Investment,” click on the three dots next to your SIP, and choose “Stop SIP.”
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