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SIP Calculator – Systematic Investment Plan Calculator

Accurate Investment Growth Estimates for Your Future Planning

SIP Calculator

Find the future value of your monthly/quarterly SIP investment.

₹
%
Y
 
 

Your Investment

₹1.01 Cr

Future Value

₹2.4 Cr

Disclaimer: Please note that these calculators are for illustrations only and do not represent actual returns. Stock Market does not have a fixed rate of return and it is not possible to predict the rate of return.

SIP Investment Calculator

Calculate how much your monthly or quarterly SIP investments will grow over time with this tool. Get insights on the potential future value of your investments based on the amount you invest, the expected return, and the duration of your investment.

Inputs:

  1. SIP Amount: Enter the amount you plan to invest either monthly or quarterly.
    • Example: ₹6,000
  2. Expected Rate of Return (per annum): Provide an estimate of the return you expect to earn on your investment.
    • Example: 12% p.a.
  3. Investment Duration: Specify how long you plan to invest.
    • Example: 15 years

Output:

  • Monthly SIP Investment:
    • Future Value: ₹3,027,456 (for ₹6,000 per month at 12% annual return over 15 years)
  • Quarterly SIP Investment:
    • Future Value: ₹1,007,670 (for ₹6,000 per quarter at 12% annual return over 15 years)

The monthly SIP option typically results in higher returns due to the compounding effect being applied more frequently.

Understanding SIP Returns and Calculations

  • Calculating exact SIP returns can be complex due to market volatility. However, you can estimate them using a SIP calculator or by understanding the concepts of future value and CAGR.

  • SIP Calculator: The easiest way is to use an online SIP calculator. These tools factor in your monthly investment, investment tenure, and expected rate of return to provide an estimated future value.

  • Understanding CAGR (Compound Annual Growth Rate): To understand the actual return generated by your SIP investments, you need to calculate the CAGR. CAGR represents the annualized rate of return on your investment over a period, assuming reinvestment of profits.

  • SIP (Systematic Investment Plan) involves investing a fixed amount of money at regular intervals (usually monthly) in a mutual fund scheme. The calculation involves:

    • Total Investment: Multiplying your monthly investment amount by the total number of installments.

    • Future Value Estimation: Projecting the potential future value of your investment based on an assumed rate of return, taking into account the compounding effect.

    • Net Asset Value (NAV): Each installment purchases units of the mutual fund at the prevailing NAV. The number of units you accumulate changes based on the NAV at the time of each installment.

  • While a direct formula for exact SIP returns is complex due to market fluctuations, the future value of a SIP can be estimated using the following formula, which is the future value of an ordinary annuity:

FV = P × r [(1 + r)^n - 1] × (1 + r)
  • FV: Future Value of SIP

  • P: Monthly Investment Amount

  • r: Monthly Rate of Return (Annual Rate / 12)

  • n: Total Number of Installments

  • To calculate the actual returns, you'll need the CAGR:

CAGR = (Ending Value / Beginning Value)^(1/n) - 1
  • Ending Value: The final value of the investment

  • Beginning Value: The initial Investment

  • n: Number of years

  • A A SIP calculator is an online tool that helps you estimate the potential future value of your SIP investments. It requires you to input:

    • Monthly investment amount

    • Investment tenure (in years)

    • Expected annual rate of return

  • The calculator then uses a mathematical formula to project the estimated maturity amount. It is a very useful tool for financial planning.

  • SIP returns in mutual funds are primarily determined by the fund's performance and the compounding effect. To calculate them:

    • Use a SIP Calculator: Input your investment details to get an estimated future value.

    • Track NAV: Monitor the fund's Net Asset Value (NAV) to see how your investment is performing.

    • Calculate CAGR: After your investment period, calculate the CAGR to determine the annualized rate of return.

  • SIPs do not earn a fixed "interest" like traditional savings accounts. Instead, they generate returns based on the performance of the underlying mutual fund scheme. This return is reflected in the appreciation of the fund's Net Asset Value (NAV). The returns are compounded over time, meaning that gains are reinvested to generate further gains.

  • The gains are based on the market performance of the underlying assets of the mutual fund. These gains are then reflected in the NAV of the mutual fund. The returns are compounded, meaning that your gains also earn returns.

  • To calculate the CAGR for your SIP, you'll need:

    • The total amount invested.

    • The final value of your investment.

    • The investment tenure (in years).

  • Use the CAGR formula:

CAGR = (Ending Value / Beginning Value)^(1/n) - 1
  • Ending Value: Final value of your SIP.

  • Beginning Value: Total amount invested in SIP.

  • n: Investment tenure in years.

  • A SIP calculator works by applying a compound interest formula to estimate the future value of your SIP investments. It takes your input parameters (monthly investment, tenure, and expected return) and calculates the potential growth of your investment over time. It essentially simulates the process of regular investments and compounding returns.

  • 9. How to Calculate SIP Percentage?

    • Answer: "SIP percentage" is generally used to refer to the expected annual rate of return on your SIP investment. To express this as a percentage:

      • If you have an estimated or calculated CAGR, multiply it by 100 to get the percentage.

      • For example, a CAGR of 0.12 would be a 12% annual return.

    • Manually calculating SIP returns is complex due to the fluctuating NAV. However, you can estimate using the future value formula mentioned earlier. For accurate returns, you'll need to track each installment and calculate the CAGR at the end of your investment period.

      • Track each monthly investment and the corresponding NAV.

      • Calculate the number of units purchased each month.

      • Determine the final value of your investment.

      • Use the CAGR formula to calculate the annualized return.

    • "SIP percentage" is generally used to refer to the expected annual rate of return on your SIP investment. To express this as a percentage:

      • If you have an estimated or calculated CAGR, multiply it by 100 to get the percentage.

      • For example, a CAGR of 0.12 would be a 12% annual return.

    Risk Disclosures
    on Derivatives
    • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
    • On an average, loss makers registered net trading loss close to ₹ 50,000.
    • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
    • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

    Source: SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

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    Goodwill Wealth Management Pvt Ltd |     MCX : 11095 | SEBI Regn. No : INZ000177036
    MSEI : 11240 | NSE : 90097 | BSE : 6648
    Clearing Code |     NSE : M52003 | BSE : 6648
    CDSL DP |     DP ID : 12084200 | SEBI Regn. No : IN - DP - CDSL - 309 - 2017
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    Goodwill Wealth Management Pvt Ltd:MCX : 11095 | SEBI Regn. No : INZ000177036
    MSEI : 11240 | NSE : 90097 | BSE : 6648
    Clearing Code :NSE : M52003 | BSE : 6648
    CDSL DP :DP ID : 12084200 | SEBI Regn. No : IN - DP - CDSL - 309 - 2017
    Research Analyst :SEBI Regn. No : INH200005179
    Mutual Funds :ARN : 182218
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