SIP Calculator
Start investing today and secure your financial future with Policybazaar’s SIP Calculator.
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Home
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SIP Investment
- SIP Calculator
What is an SIP Calculator?
SIP Calculator is a tool that can help you calculate the returns on your SIP investments in market-linked funds. By taking your monthly investment, expected returns, and duration in account, it will calculate the future value of your investments. However, it’s important to note that actual returns can vary based on market fluctuations.Â
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 3 Years | 5 Years | 10 Years | |
| Virtue II PNB Metlife | 18.53% | 27.14% |
17.91%
View Plan
|
|
| Pure Equity Birla Sun Life | 17.05% | 23.14% |
16.29%
View Plan
|
|
| Large Cap Equity Fund Tata AIA | 16.3% | 22.98% |
16.1%
View Plan
|
|
| Grow Money Plus Fund Bharti AXA | 13.18% | 20.16% |
15.61%
View Plan
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|
| Pure Stock Fund Bajaj Allianz | 16.73% | 21.82% |
15.42%
View Plan
|
|
| Diversified Equity Fund HDFC Standard | 12.96% | 18.92% |
14.78%
View Plan
|
|
| Growth Super Fund Max Life | 12.67% | 18.43% |
13.67%
View Plan
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|
| Bluechip Fund ICICI Prudential | 11.49% | 17.31% |
12.35%
View Plan
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|
| Equity Large Cap Fund Edelwiess Tokio | 11.03% | 16.95% |
12.27%
View Plan
|
|
| Growth Plus Fund Canara HSBC Oriental Bank | 11.3% | 14.95% |
11.37%
View Plan
|
|
Updated as of Sep 2024
How to Use Policybazaar's SIP Investment Plan Calculator?
With Policybazaar's SIP calculator online, you can calculate your returns on your SIP in 2 ways:
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If You Know Your Investment Amount:
Calculate your potential returns based on a predetermined investment amount.
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Monthly Return Calculation
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Visit Policybazaar's website and locate the Systematic Investment Plan calculator.
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Enter the following information:
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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.
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The calculator will display the total accumulated amount at the end of your investment period.
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Yearly Return Calculation
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Visit Policybazaar's website and locate the SIP investment plan calculator.
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Enter the following information:
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Yearly Investment Amount.
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Expected Annual Return.
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Investment Horizon
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The calculator will display your estimated yearly returns and the total accumulated amount
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Lump Sum Return Calculation
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Visit Policybazaar's website and locate the SIP investment plan calculator.
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Enter the following information:
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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.
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The calculator will display your estimated lump sum returns and the total accumulated amount at the end of your investment period.
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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.
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Specify the time period you plan to invest for.
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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.
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Why Use SIP Calculator?
SIP Return Calculator can be used for the following reason:
For accurate planning: By putting in the tenure of investment and the amount you are willing to invest, one can plan their financial future accordingly.
For example:Â
Example 1: I know my investment amount (monthly/yearly)
If you're 25 years old and plan to invest ₹10,000 per month for 30 years, with an expected return of 12%*, a SIP calculator shows that you could potentially accumulate at least ₹3.08 crore after 30 years.
This information can help you select a fund scheme with historical performance that aligns with your desired return, which will help you plan your retirement accordingly.
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India's Growth Story!
Example 2: I know my goal amount
If you’re 26 and your goal is to get ₹1 crore (approx) in 20 years for your child's education. With an SIP calculator, you can easily determine how much to invest monthly to reach. Assuming a 12% annual return*, you'd need to contribute approximately ₹11,000 per month to achieve this milestone.
*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 Does the SIP Calculator Work?
The SIP plan calculator is useful for making informed investment decisions and visualizing long-term financial growth. The SIP calculator works based on the following formula:Â
SIP Calculation FormulaÂ
Example of Using an SIP Calculator - Calculate
Imagine you're saving for your financial goals (lets say child's college education) with a goal of accumulating ₹80 lakhs in 20 years. You have to invest ₹10,000 each month and desire an annual return of 12%*. By using an SIP amount calculator, you can easily estimate the outcome.
After entering these details into an SIP calculator online, here's what you discover:
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Total amount invested: ₹24 Lakhs
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Wealth Gained: ₹68 Lakhs
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Total amount: ₹92 Lakhs
This means that your investment has grown significantly, allowing you to not only meet your ₹80 lakhs goals but also earn an additional ₹12 lakhs.Â
*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.
Benefits of the SIP Calculator
Below are the benefits of using a SIP Investment Calculator:
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An SIP amount calculator helps you figure out how much you need to invest regularly (monthly or yearly) to achieve specific financial goals like buying a house or planning for retirement.
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The Best SIP calculator allows you to assess your risk tolerance and choose suitable investment options. You can compare various funds and see how they align with your risk profile.
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Using a Systematic Investment Plan Calculator, you can visualize the power of compounding and how consistent investments grow over time, making it easier to stay committed to your financial goals.
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An SIP calculator online, whether it’s a Monthly SIP calculator or a Yearly SIP calculator, lets you explore different investment scenarios and their potential outcomes based on various interest rates and tenures.
Other SIP Calculators Online
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SIP Calculator with InflationÂ
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Step-Up SIP CalculatorÂ
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SIP Calculator With Inflation
A SIP calculator with inflation is a financial tool that helps you estimate the real returns on your Investment by considering the impact of inflation. This calculator adjusts your returns to account for this factor, giving you a more accurate picture of your investment's growth.Â
Example:- You want to save ₹1cr for your new house and are willing to stay invested for 20 years considering the rate of inflation and rate of return being 6% and 12% respectively. Using the SIP inflation calculator:Â
You will have to invest ₹32,420/ month for 20 Years,
Your total investment will be ₹77,80,800,
with growth of ₹2,42,90,555 and a target amount of ₹3,20,71,355 after inflation.
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Step-Up SIP Calculator
A Step-Up SIP calculator is a financial tool that helps you visualize the growth of your investments over time when you follow a Step-Up SIP strategy.
Example:- Let's assume you start investing in a fund scheme with an expected annual return of 12%.
Regular SIP
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Monthly investment: ₹10,000
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Investment period: 10 years
Step-Up SIP
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Initial monthly investment: ₹10,000
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Increase in investment: 10% annually
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Investment period: 20 years
Comparison Table
Parameter Regular SIP Step-Up SIP Total Investment ₹24,00,000 ₹68,73,000 Estimated Corpus ₹68,00,000 ₹1,30,15,716 Difference in Corpus - ₹62,15,716 -
Conclusion
An SIP calculator is a valuable tool for anyone who is looking to invest systematically. By providing estimates into future returns, goal planning, and risk assessment, it allows individuals to make informed investment decisions and work towards their financial objectives effectively.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*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.
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What is an SIP Calculator? | How to Calculate & Choose a SIP Plan in 2024?
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