SIP Calculator
An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly, leveraging compounding for long-term goals. A mutual fund SIP calculator helps estimate potential returns, empowering investors to make informed decisions about their mutual fund portfolio.
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Home
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SIP Investment
- SIP Calculator
Best SIP Funds
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 23.91 %
Opportunities Fund
₹37,289
₹
After 5 years+ 24.85 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.2 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 19.85 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 22.82 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 19.65 %
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 23.91 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 19.85 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 22.82 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 19.65 %
Growth Super Fund
₹13,357
₹
After 5 years+ 19.2 %
Maximize India Fund
₹849
₹
After 5 years+ 19.94 %
Opportunities Fund
₹37,289
₹
After 5 years+ 24.85 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.2 %
Growth Opportunities Plus Fund
₹986
₹
After 5 years+ 22.23 %
Classic Opportunities Fund
₹13,638
₹
After 5 years+ 20.57 %
Opportunities Fund
₹3,368
₹
After 5 years+ 21.88 %
Equity Top 250 Fund
₹539
₹
After 5 years+ 19.05 %
Whole Life Income Fund
₹866
₹
After 5 years+ 6.04 %
Individual Preserver Pension Fund
₹136
₹
After 5 years+ 5.52 %
Whole Life Aggressive Growth Fund
₹878
₹
After 5 years+ 22.02 %
Save N Grow Money Fund
₹65
₹
After 5 years+ 11.51 %
Asset Allocation Fund II
₹295
₹
After 5 years+ 13.31 %
Multi Cap Balanced Fund
₹2,021
₹
After 5 years+ 13.76 %
Super Select Equity Fund
₹1,296
₹
After 5 years+ 20.79 %
What is an SIP Calculator?
An SIP calculator is a financial tool for estimating the returns you can get by investing in mutual funds. It helps in multiple ways, including providing accurate calculations, selecting the most suitable plan, and empowering you to achieve financial independence as an investor.
By using an SIP calculator, you can choose which are the best SIP plans for your short- or long-term goals. With numerous options available in the market, making informed decisions ensures you maximize the benefits of your investments.
- Video
- information
SIP Calculator: Calculate Your Wealth Growth Easily!
Example of Using a Mutual Fund SIP CalculatorÂ
If you're 25 years old and plan to invest ₹10,000 per month for 30 years, with an expected return of 12%*, a mutual fund SIP calculator shows that you could potentially accumulate at least ₹3.08 crore after 30 years.
This information can help you select a mutual fund or a market-linked fund scheme with historical performance that aligns with your desired return, which will help in retirement planning accordingly.
In scenarios where you have a fixed monthly investment in mind, using a mutual fund SIP calculator is important for planning your investments effectively.
*The estimated rate of return is a guideline and actual results may vary. Adjust the rate based on your risk tolerance and financial goals. For personalized advice, consult with a qualified financial advisor.
How Do Mutual Fund SIP Calculators Work?Â
The SIP mutual fund calculator works on the basis of the following formula:
Let’s understand the working of the SIP mutual fund calculator with an example:
Rohit, a young professional, wants to invest ₹10,000 monthly for 30 years at a 12% interest rate. The monthly interest rate is calculated as 12% / 12 = 1% or 0.01 in decimal.
Where:
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P is the monthly investment amount (₹10,000)
-
r is the periodic interest rate (12% per year, compounded monthly, so 12%/12 = 1% per month or 0.01)
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n is the total number of payments (30 years * 12 months/year = 360 months)
Calculation:
Future Value = 10000 * (((1 + 0.01)^360 - 1) / 0.01) * (1 + 0.01)
You'll find:
Future Value ≈ ₹3.08 Cr.
Therefore, Rohit's investment of ₹10,000 per month for 30 years at a 12% annual interest rate will grow to approximately ₹3.08 Cr.Â
**The interest rate on an SIP will vary as per the market situation. It may decrease or increase and can change the returns estimated.
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 30.5% | 22.12% |
18.46%
View Plan
|
|
| Top 200 Fund Tata AIA | 30.5% | 22.56% |
19.2%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 23.2% | 13.5% |
14.56%
View Plan
|
|
| Opportunities Fund HDFC Standard | 24.85% | 15.7% |
14.7%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 18.37% | 10.87% |
10.4%
View Plan
|
|
| Growth Opportunities Plus Fund Bharti AXA | 22.23% | 15.46% |
14.51%
View Plan
|
|
| Multiplier Birla Sun Life | 25.47% | 15.29% |
15.46%
View Plan
|
|
| Equity Top 250 Fund Edelwiess Tokio | 19.05% | 12.68% |
11.48%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 21.88% | 14.05% |
12.5%
View Plan
|
|
| Flexi Growth Fund LIC | - | - |
-
View Plan
|
|
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 3 Years | 5 Years | 10 Years | |
| Active Fund QUANT | 23.92% | 31.48% |
21.87%
|
|
| Flexi Cap Fund PARAG PARIKH | 20.69% | 26.41% |
19.28%
|
|
| Large and Mid-Cap Fund EDELWEISS | 22.34% | 24.29% |
17.94%
|
|
| Equity Opportunities Fund KOTAK | 24.64% | 25.01% |
19.45%
|
|
| Large and Midcap Fund MIRAE ASSET | 19.74% | 24.32% |
22.50%
|
|
| Flexi Cap Fund PGIM INDIA | 14.75% | 23.39% |
-
|
|
| Flexi Cap Fund DSP | 18.41% | 22.33% |
16.91%
|
|
| Emerging Equities Fund CANARA ROBECO | 20.05% | 21.80% |
15.92%
|
|
| Focused fund SUNDARAM | 18.27% | 18.22% |
16.55%
|
|
Last updated: May 2025
How to Use Policybazaar’s Mutual Fund SIP Calculator?
Here are the steps you can follow to use the Policybazaar’s SIP mutual fund calculator above:
If You Know Your Investment Amount:
You can calculate monthly, yearly, or lump sum returns on your investments by following the steps below:
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Monthly Return Calculation
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Specify the amount you plan to invest each month.
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Enter your anticipated annual return rate.
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Indicate the duration of your investment in years.
The mutual fund SIP calculator will display the total accumulated amount at the end of your investment period.
-
-
Yearly Return Calculation
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Yearly Investment Amount.
-
Expected Annual Return.
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Investment Horizon
The mutual fund calculator will display your estimated yearly returns and the total accumulated amount.
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-
Lump Sum Return Calculation
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Specify the one-time amount you plan to invest.
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Enter your anticipated annual return rate.
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Indicate the duration of your investment in years.
-
The calculator will display your estimated lump sum returns and the total accumulated amount at the end of your investment period.
If You Know Your Goal Amount:
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Enter the amount you aim to save or you want to generate through your investments.
-
Specify the time period you plan to invest for.
-
Input the expected rate of return on your investment.
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The SIP calculator will display real-time results of the monthly investment, the total investment you have to make, and the wealth you will gain from that.
Advantages of SIP Mutual Fund Calculator
With a mutual fund SIP calculator, you can make your investment decisions more insights-driven. These tools make you a better investor by offering multiple benefits, including -Â
-
Strategic Financial Planning
The mutual fund SIP calculator acts as a strategic financial planning tool. It offers a clear and realistic projection of your investment's growth over time.Â
-
Investment Goal Setting
Aligning your investments with specific financial goals is crucial for success. Whether you're saving for education, a new home, or building a retirement corpus, the mutual fund return SIP calculator becomes an important tool. It assists in calculating the required investment amount and the time it will take to achieve your defined objectives.
-
Scenario Analysis
The monthly SIP investment plan calculator enables you to conduct scenario analyses. You have the flexibility to adjust variables such as investment amount, duration, and expected returns.Â
-
Risk Assessment
Assessing the risk associated with investments is a critical aspect of financial planning. The SIP mutual fund calculator facilitates this by considering factors such as expected returns and investment duration. This aids in gaining a comprehensive understanding of the potential risks and rewards associated with different investment plans and options.
Key Takeaways
SIP mutual fund calculators have become an essential tool for today's digitally savvy investors like you. If you want to invest in different funds through SIPs, using the SIP calculator mutual fund is a must for making realistic decisions. With our mutual fund SIP calculator, you can estimate potential returns and choose the best SIP plans that best suit your needs.
FAQs
-
What are the benefits of SIP?
The following are the benefits of investing in a SIP:-
You can invest in small amounts continuously
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You can choose monthly auto-payment
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Better long-term advantages than a one-time investment
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No stress in regards to the market ups and downs
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Helps to plan the budget and manage expenses efficiently.
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-
Are SIPs equivalent to mutual funds?
No, SIP is not equivalent to mutual funds. However, SIP is a medium of investing in mutual funds. In an SIP, you invest more periodically than in a lump sum. -
Is SIP safer than lump sum investments?
Yes, SIP is a safer option than a lump-sum investment. Investment in a SIP has a low risk and the points of investment are spread out over a long period. The idea is simple: when the market is high, you can purchase some units of the fund, and when the market is slow, you can purchase the same unit for an equivalent amount. -
How can I cancel a SIP?
If you have started your SIP in an online mode, you can cancel your SIP by choosing the ‘Cancel SIP’ option for your upcoming transactions. However, if you have started SIP offline, you need to visit the nearest branch or get in contact with a relationship manager to have your SIP canceled. -
What is a Lump-sum Calculator?
A lump-sum calculator calculates the maturity amount of a one-time or lump-sum investment made by the investor. You need to enter the amount of investment, tenure of investment, and expected rate of return to estimate the maturity amount and the returns on investment.
*All savings are provided by the insurer as per the IRDAI approved
insurance
plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
- Video
- information
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