SIP Calculator
Easily Calculate Your SIP Investments

Use TimesMoney's SIP Calculator to calculate your SIP

₹ 500
₹ 1 Cr
1 year
50 years
1%
13%

Investment Details

Total Invested: ₹340
Total Returns: ₹

You will need to invest ₹0 per month.

An SIP Calculator is a digital tool designed to help you estimate the potential returns on your mutual fund investments before committing to a Systematic Investment Plan (SIP). It acts as a guide, enabling investors to smoothly incorporate SIPs into their financial portfolio. By providing an overview of how your investments might grow over time, it simplifies financial planning. However, it’s important to note that the actual returns from a mutual fund scheme may vary due to several influencing factors.

Numerous SIP calculators are available online, and it is essential to select a reliable and accurate one to effectively calculate the SIP amount. Understanding how to use the calculator ensures you can determine the precise investment amount required to achieve your financial goals or plan your loan repayments systematically.

SIP Calculator – Systematic Investment Plan Calculator

Many prospective investors often assume that SIPs and mutual funds are identical. However, SIPs are simply a method of investing in mutual funds, with the other option being a lump sum investment. A SIP Calculator is a helpful tool that allows you to estimate the potential returns when investing through this method. A Systematic Investment Plan (SIP) involves investing a fixed amount of money at regular intervals, such as monthly or quarterly, into mutual funds. This disciplined approach to investing helps build wealth steadily over time.

How can a SIP return calculator help you?

A SIP Return Calculator helps you estimate the potential returns on your Systematic Investment Plan (SIP) investments with ease. By entering details such as the monthly investment amount, expected rate of return, and investment tenure, the calculator provides an accurate projection of the maturity value of your investment. This tool enables you to plan your financial goals effectively, compare different investment scenarios, and make informed decisions. It simplifies the process of understanding how your money can grow systematically over time, empowering you to maximize your wealth creation efforts.

An online SIP calculator helps estimate the returns on your investments at the end of the tenure, making financial planning simple and effective.

How do SIP calculators work?

There is a specific formula that Timesmoney uses to compute the SIP amount.

M = P × (([1 + I]^n – 1) / I) × (1 + I)., where

  • 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.
  • I is the periodic rate of interest..

This is the standardized formula used by any online SIP calculator.

FAQs

You can start a SIP with as little as Rs. 500 per month, depending on the mutual fund scheme.
Yes, you can stop your SIP at any time by submitting a request to the mutual fund company or through your investment platform.
Missing a SIP payment does not lead to a penalty, but consistent missed payments may result in the SIP being discontinued.
SIP helps in averaging the cost of investment and is ideal for disciplined investing, while lump sum investment is better for those with a large amount of funds ready to invest.
Yes, you can change your SIP date by submitting a request to the mutual fund company, subject to their policies.
Yes, you can invest in multiple SIPs across different mutual fund schemes based on your financial goals.
No, SIPs do not provide guaranteed returns as they are subject to market risks. However, they help in mitigating risks over the long term.
Yes, you can withdraw your SIP investment partially or fully at any time, but exit load charges may apply depending on the scheme.