SIP Calculator

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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.

  • Insurance Companies
  • Mutual Funds
Fund Name 3 Years 5 Years 10 Years
Top 200 Fund Tata AIA 27.97% 25%
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Virtue II PNB Metlife 23.09% 19.45%
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Pure Equity Birla Sun Life 20.32% 16.19%
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Growth Opportunities Plus Fund Bharti AXA 18.94% 16.4%
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Pure Stock Fund Bajaj Allianz 17.62% 14.7%
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Equity Top 250 Fund Edelwiess Tokio 17.15% 14.02%
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Blue Chip Fund HDFC Standard 15.08% 13.33%
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Growth Super Fund Max Life 15.27% 13.42%
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Multi Cap Growth Fund ICICI Prudential 16.73% 11.78%
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Equity Fund SBI 15.02% 13.02%
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Updated as on November 2023

Compare more funds
Fund Name 3 Years 5 Years 10 Years
Large Cap Fund Nippon India 29.45% 15.33%
Bluechip Fund SBI 22.34% 14.79%
Cap Fund Edelweiss Large 20.14% 14.01%
Frontline Equity Fund Aditya Birla Sun Life 21.57% 13.35%
Bluechip Fund ICICI Prudential 24.00% 14.36%
Large Cap Fund Mirae Asset 18.65% 13.49%
Bluechip Equity Fund Canara Robeco 18.57% 15.24%
Bluechip Growth Kotak 19.78% 14.55%
Large Cap Fund Baroda BNP Paribas 19.37% 15.09%

Updated as on November 2023

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What is SIP and Why Should You Choose SIP?

A Systematic Investment Plan (SIP) is a disciplined method of investing money in mutual funds. It allows investors to contribute a fixed amount of money regularly, typically on a monthly basis, into a selected mutual fund scheme.

SIPs in Equity Linked Saving Schemes (ELSS) enjoy the EEE (Exempt, Exempt, Exempt) tax benefit. This means the amount you invest, the returns at maturity, and any withdrawals are all tax-free. Utilize an SIP calculator to plan your investments and reap these tax advantages.

SIP is a smart way to save and grow your money. It helps you save regularly, reducing the impact of market ups and downs. Plus, it lets your money grow over time through compounding. So, SIP is a simple and effective method for building wealth.

What is an SIP Calculator?

A SIP calculator is an online tool that estimates the returns on mutual fund investments made through a Systematic Investment Plan (SIP). The calculator requires inputs such as the investment amount, expected rate of return, investment tenure, and step-up rate. The calculator then provides the output in both graphical and chart format.

The mutual fund SIP calculator simplifies this process by automating the computations. It takes into consideration the monthly investment amount, the expected rate of return, and the investment horizon to provide an estimate of the potential future value of the investment. 

How Does SIP Calculator Make You a Better InvestorHow Does SIP Calculator Make You a Better Investor

Example of Using a Mutual Fund SIP Calculator 

Imagine you're saving for your child's college education. You aim to have ₹20 lakhs in 5 years and can invest ₹30,000 every month. With an expected annual return of 10%, you plug these numbers into the SIP calculator.

The calculator shows:

Total amount invested: ₹18 lakhs

Gains: ₹5.42 lakhs

Maturity Value: 23.42 Lakhs (amount you will get) 

This means your investment has grown significantly, reaching a maturity value of ₹23.42 lakhs. You've not only achieved your ₹20 lakh goal but also gained an additional ₹3.42 lakhs.

In scenarios where you have a fixed monthly investment in mind, using a mutual fund SIP calculator is important for planning your investments effectively.

How Do Mutual Fund SIP Calculators Work?

The SIP calculator works on the basis of the following formula
FV = P [ (1+i)^n-1 ] * (1+i)/i
Terms used in SIP Calculator
Amount invested at regular intervals
Sum you will get upon maturity
Number of times Payment Made
Interest Rate

It's important to note that the rate of interest on mutual funds can change as per market conditions. This may impact the estimated returns. This is not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

Let’s understand the working of the SIP mutual fund calculator with an example:

Rohit, a young professional, wants to invest Rs. 5000 per month for 1 year at a 12% interest rate. The monthly interest rate is calculated as 12% / 12 = 1% or 0.01 in decimal.

Now, let's find the maturity amount (M):

M = Rs. 5000 * ([1 + 0.01]^12 - 1) / 0.01 * (1 + 0.01)

After calculating, we get:

M = Rs. 64,047(approximately).

So, the maturity amount will be around Rs. 64,047

**The interest rate on a SIP will vary as per the market situation. It may decrease or increase and can change the returns estimated.

How to Use Policybazaar’s Mutual Fund SIP Calculator?

Steps to use SIP calculatorSteps to use SIP calculator

Here are the steps you can follow to use the SIP return calculator:

  • Step 1: Visit mutual fund SIP Calculator on Policybazaar's website

  • Step 2: Provide the required details such as investment amount, tenure of investment, expected rate of return, and the number of years you want to stay invested for

  • Step 3: View the results, including the total investment made and the SIP maturity amount. You can also check out various investment plans available for you.

Why Use SIP Calculator?

With a SIP mutual fund calculator, you can make your investment decisions more insights-driven. These tools make you a better investor by offering multiple benefits, including - 

  1. 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. 

  2. 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 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.

  3. 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. 

  4. 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 is a must for making realistic decisions. With our best mutual fund SIP calculator, you can estimate potential returns and choose the best SIP plans that best suit your needs.

Frequently Asked Questions

  • What are the benefits of SIP?

    The following are the benefits of investing in a SIP:
    • You can invest in small amounts continuously

    • You can choose monthly auto-payment

    • Better long-term advantages than a one-time investment

    • No stress in regards to the market ups and the downs

    • Helps to plan the budget and manage expenses efficiently.

  • Are SIPs equivalent to mutual funds?

    No, SIP is not equivalent to mutual funds. However, it is a medium of investing in mutual funds. In a SIP you will invest periodically than a lump sum amount.
  • 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 the time the market is high, you can purchase some units of the fund, and the time the market is slow you can purchase the same unit on the 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 cancelled. 
  • 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.
  • What is Delay Cost Calculator?

    Delay Cost Calculator helps in understanding the impact of delaying your systematic investment by a particular year. You are required to enter your monthly investment amount, the tenure of the investment, the anticipated return rate, and the anticipated delay in the investments. Delay Cost Calculator shows the amount of maturity if the investment was spread over a planned number of years and the amount of maturity in the delayed time and the cost of this delay.
  • What is SIP Advanced Calculator?

    SIP Advanced Calculator is an advanced form of the simple online SIP Calculator. This calculator helps in evaluating the return after inflation. This tool gives a better idea of the SIP maturity value considering inflation. You have to select the amount of monthly investment, expected rate of return, and inflation rate to arrive at the SIP maturity amount, pre-inflation and post-inflation, and tenure in years.
  • What are the types of SIPs available?

    To cater to the various requirements of the investors, generally, there are 5 different types of SIP plans available in the market. These are as follows: 
    • Top-up SIP

    • Perpetual SIP

    • Trigger SIP

    • Flexible SIP

  • Can I renew a SIP?

    Yes, you can renew your SIP in case the existing SIP expires. To renew SIP, the investors need to quote the same FOLIO number (unique number allotted to each MF investor) through the financial advisor of his Asset Management Company (AMC). Generally, it takes 20-30 working days from the date of sending the request to renew the SIP plan.
  • What is the need for a SIP inflation calculator?

    The inflation calculator helps to understand the impact of inflation on the money. This also enables us to understand the money that would be needed to meet the current expenses while keeping up with inflation.
  • What if I invest 10000 in SIP for 5 years? 

    If you invest 10,000 INR in a Systematic Investment Plan (SIP) for 5 years, the final investment value will depend on the returns generated by the investments made through the SIP.
    Assuming an average annual return of 10% on your SIP investments for 5 years, the maturity returns will be approximately Rs. 16,105.
  • Which SIP under 3,000 per month? 

    There are several SIP (Systematic Investment Plan) options available for investment under Rs. 3,000 per month; a few of them are as follows:
    • Large Cap Equity Funds: Axis Bluechip Fund, ICICI Prudential Bluechip Fund, and SBI Bluechip Fund

    • Multi-Cap Equity Funds: Mirae Asset Emerging Bluechip Fund, Kotak Standard Multicap Fund, and HDFC Equity Fund

    • Balanced Funds: HDFC Balanced Advantage Fund, ICICI Prudential Balanced Advantage Fund, and SBI Equity Hybrid Fund

    • Index Funds: HDFC Index Fund - Sensex Plan, ICICI Prudential Nifty Index Fund, and UTI Nifty Index Fund

    • Debt Funds: Axis Liquid Fund, ICICI Prudential Money Market Fund, and Aditya Birla Sun Life Savings Fund

  • What is the SIP of 5000 per month for 10 years?

    If you invest Rs. 5,000 per month in a Systematic Investment Plan (SIP) for a period of 10 years, assuming an average annual return of 12% on your SIP investment, the calculation will be:
    • Total Investment Amount: Rs. 5,000 per month x 12 months x 10 years = Rs. 6,00,000

    • Investment value = [PMT x ((1 + r)^n - 1) / r]


    • PMT = Monthly investment amount = Rs. 5,000

    • r = Annual interest rate (assuming 12% divided by 12 for monthly investment) = 0.01 

    • n = Number of investment periods (months) = 10 years x 12 months = 120

    • Investment value = [5,000 x ((1 + 0.01)^120 - 1) / 0.01] 

    • Investment value ≈ Rs. 15,24,190

  • What if I invest 30,000 in SIP for 5 years?

    A SIP of Rs. 30,000 for 5 years would have earned a profit of about Rs. 15, 31, 850.
  • What are the uses of SIP calculator?

    • The SIP calculator helps to determine the amount in which you want to invest 

    • It gives you the total money you have invested

    • This calculator provides you with an estimated amount of the returns

  • What are the four important principles of SIP? 

    • Start as early as possible 

    • Invest on a regular basis 

    • Invest the right amount 

    • Stay invested for the long tenure 

  • What is the 15 Rule in SIP? 

    15 Rule in SIP is if you invest Rs. 15,000 per month for a term of 15 years in a stock that is offering 15% of interest rate on a yearly basis, then you will accumulate an amount of Rs. 10027601 at the last of 15 years. 
  • What is Mutual Fund SIP Calculator? 

    A Mutual Fund SIP Calculator is a free online tool that helps calculate the returns you would earn on your mutual funds. 
  • What if I invest 20,000 in SIP for 20 years?

    If you invest Rs. 20,000 per month in a Systematic Investment Plan (SIP) for a period of 20 years, the final investment value will be:
    • Assuming an average annual return of 10% on your SIP investment
    • Total Investment Amount: Rs. 20,000 per month x 12 months x 20 years = Rs. 48,00,000
    • Investment value = [PMT x ((1 + r)^n - 1) / r]


    • PMT = Monthly investment amount = Rs. 20,000
    • r = Annual interest rate (assuming 10% divided by 12 for monthly investment) = 0.00833
    • n = Number of investment periods (months) = 20 years x 12 months = 240
    • Investment value = [20,000 x ((1 + 0.00833)^240 - 1) / 0.00833]
    • Investment value ≈ Rs. 2,58,72,355

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:-
^10(10D) Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.

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