Total Amount: ₹0
Invested Amount: ₹0
Estimated Returns: ₹0
These days, whenever people invest in mutual funds, the first question is – “How much will my money grow?” And this SIP Return Calculator is the simple answer to that question.
SIP (Systematic Investment Plan) is a method in which you invest a fixed amount in mutual funds every month. However, manually calculating how much your money will grow over time is a bit complicated. This SIP return calculator helps.
What is this SIP Calculator?
In simple words, what is SIP calculator? This is an online free tool that takes your monthly investment, expected return rate, and tenure and tells you how much your money could be worth in the future.
As soon as you enter the amount and years, this SIP return calculator immediately shows you both the final maturity value and the total invested amount.
How SIP Calculator Helps in Financial Planning
The main purpose of this SIP calculator is to simplify your financial planning. When you know how much your investment will grow in the future, you can create a better strategy based on your goals.
For example:
- Retirement Planning: For those investing for the long term. you can also use the NPS Calculator or Gratuity Calculator.
- Wealth Creation: This tool is essential for investors who want to become wealthy over the long term.
- Child Education Planning: By choosing the right SIP period, you can create capital for your children’s higher education.
How is SIP calculated?
Now the question arises – how is SIP calculated?
SIP calculation uses the principle of compound interest. Each month’s investment earns interest in the future, and that interest is also reinvested.
The formula is:
FV = P × [(1 + r/n)^(n×t) – 1] / (r/n) × (1 + r/n)
Where:
- FV = Future Value (your total return)
- P = Monthly Investment
- r = Expected Annual Return (%)
- n = Number of installments in a year (normally 12 for monthly SIP)
- t = Tenure (in years)
If you find the manual formula difficult, don’t worry. This SIP calculator online gives you instant and accurate results.
How is SIP Interest Calculated?
Many people have doubts about how SIP interest is calculated or how to calculate SIP interest.
The “interest” in SIP actually comes in the form of compounding. Each installment creates future value, and the longer the tenure, the greater the benefit.
So, don’t look at SIP in the short term. Its true magic is revealed only in the long term. And you can instantly estimate it with this SIP return calculator.
Why Use This SIP Return Calculator?
Free and Instant
This SIP return calculator is completely free and gives you accurate results in seconds. There are no hidden charges or subscriptions required. Simply enter the amount and tenure and instantly see how your money will grow in the future.
Mobile Friendly
Most people nowadays prefer to do calculations on their phones. Therefore, this SIP calculator has been designed to work smoothly on both mobile and desktop. No matter where you are, this tool is always accessible.
Beginner Friendly
If you’re new to mutual funds and find it difficult to remember the formulas, don’t worry. This SIP return calculator is so simple that even a beginner can make accurate calculations without any knowledge.
Financial Planning
Investment isn’t just about investing money, it’s part of proper planning. This SIP return calculator gives you a clear idea of how a large fund can be created in the future even with a small SIP. With this you can plan your goals like education, buying a house or retirement in a better way.
How to Use this SIP Return Calculator?
- First enter the monthly amount (e.g. ₹5,000).
- Then enter the tenure (e.g. 10 years).
- Enter the expected annual return percentage (e.g. 12%).
- Click Calculate. Thats it.
The result will be displayed on the screen – the invested amount and the maturity value. So simple! That’s why thousands of people use this SIP return calculator daily.
SIP in Mutual Funds – How to Calculate?
If your question is – how to calculate SIP returns in mutual funds? The process is exactly the same. The same formula applies to mutual fund SIPs. The only difference is that the fund’s actual return will depend on market performance.
If you want to calculate your SIP for mutual fund, this mutual fund SIP calculator is the most reliable way to estimate and plan.
CAGR for SIP – Important Concept
Another very popular term people want to know is – how to calculate CAGR for SIP. CAGR (Compound Annual Growth Rate) tells you by what percentage your investment has grown on average.
The formula for CAGR is:
CAGR = (Final Value / Initial Value)^(1/n) – 1
Where n = years.
But if you want to calculate CAGR directly for SIPs, it can be a bit complicated. Therefore, most people use only this SIP return calculator.
How to Calculate SIP Returns in Excel?
Many people ask – how to calculate SIP returns in Excel? You can calculate SIP using the PMT or FV function in Excel.
Example:
=FV(rate/12, number_of_months, -monthly_investment, 0, 1)
But honestly, creating an Excel formula isn’t easy for everyone. So, the simplest way is to use this SIP return calculator. The result is in front of you in one click.
Types of SIP Calculators
Many types of calculators are available in the market these days. Some popular searches:
- SBI SIP Calculator – Useful for those investing in SBI mutual funds.
- HDFC SIP Calculator – For HDFC investors.
- Step-Up SIP Calculator – This allows you to increase your SIP amount every year to build a larger corpus in the long term.
- Lump Sum SIP Calculator – Useful if you want to invest a large amount at once.
But as a generic and easy tool, this SIP return calculator is helpful for any investor.
Mutual Fund SIP Calculator vs Groww SIP Calculator
Many users prefer the Groww SIP Calculator or SIP Calculator Groww because the Groww app is directly linked to investments. Meanwhile, the Mutual Fund SIP Calculator is a generalized tool that works for all AMC and bank schemes.
Both serve the same purpose—to estimate investments, but platforms like Groww also simplify the investment process.
Step Up SIP Calculator – A Smart Feature
With the Step Up SIP Calculator, you can increase your SIP amount every year. This feature is especially useful for those whose income increases every year.
For example, if you start with ₹5,000 and increase it by 10% every year, your investment growth will be significantly higher. With this Step Up SIP Calculator, you can see how fast your corpus will grow.
You can also compare it with the RD Calculator to see how much return you can expect on regular deposits.
Conclusion
SIP is considered to be the most reliable way for long-term wealth creation in today’s time. But success will be achieved only if you plan properly. This SIP return calculator is the easiest and most reliable tool for you to estimate the future value and track your investment journey.
Whether you are a beginner who is just starting SIP or an experienced investor who invests in multiple funds, this SIP return calculator will show you the right direction.