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SIP Calculator

A Systematic Investment Plan (SIP) is a type of investment in which you can invest your money at regular intervals and safeguard yourself financially for a longer duration. You can calculate the return on your investment through an online lumpsum mutual fund SIP calculator. Besides return on investment, the calculator also tells you how much money you have to invest every month to achieve your future life goals.

How To Use An Online SIP Calculator?

You can determine the return for your mutual fund investment in easy steps through an online SIP calculator. Listed below are the steps that you may follow.

  • Choose and enter the period for which you want to invest in the mutual fund scheme. The SIP investment duration could range from months to years.
  • Enter the monthly amount from which you want to begin investing in SIP mutual funds.
  • The future expected return will be calculated and displayed on your screen.
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SIP Mutual Fund Calculator

Mutual funds have become a popular choice of investment amongst stockholders. Therefore, in order to help millennials estimate the returns on mutual funds in which they have invested, a SIP calculator is available. It is developed in a way that gives the investor an idea of how much return they can expect from their mutual fund investment. However, the SIP calculator does not elaborate on the exit load and expenditure ratio in detail (if any).

How Can a SIP Calculator Help You? 

There are innumerable reasons to invest in a SIP, the most important of which is to invest a small amount gradually rather than a large sum all at once. Through a systematic investment plan, beginners can save and invest their money diligently. Moreover, SIPs are quite flexible and let you increase your investment installment amount with a step-up SIP calculator. As a result, whether you want to begin investing in SIP or upgrade your current SIP, you can use an online calculator to calculate your potential profits at maturity. It will help you analyze your principal amount, the returns earned on your principal amount, and the investment’s potential future worth.

Benefits of Using a SIP Calculator

The SIP Calculator offers great advantages to an individual who is planning to invest in mutual funds. Listed below are some of the advantages of using a SIP calculator.

  • Quick Result:

Through an online SIP calculator, it’s quick and easy to find out the future income from your investment amount. You just need to decide on your goal and enter the necessary information. Within a few minutes, an estimated return will be displayed as per the details provided by you.

  • User-Friendly:

The SIP Calculator is a simple and easy-to-use tool, and you don't need to be a math genius to determine your investment requirements. Furthermore, you can use it for free unlimited times.

  • Better Investment Decisions:

When saving for a specific purpose, it is vital to manage your investments. The SIP Calculator can assist you in determining how much you will need to save in order to accomplish your investing goal.

How do SIP Calculators work?

A SIP calculator primarily works by using information such as investment amount, investment frequency, investment length, and predicted returns provided by the user. Specifically, it has been based on the compound interest formula. Listed below is the formula on which a systematic investment plan calculator works.

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

M = the amount you will get when you reach maturity

P = the amount you invest on a regular basis

n = the total amount of payments you have made

i = the periodic rate of interest

For example, if you were to compute the FV for a SIP with Rs 1,000 monthly contributions for two years and a 12 % projected rate of return, the calculation would be as follows:

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

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