What is a SIP calculator?

A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP. SIP calculators are designed to give potential investors an estimate on their mutual fund investments. However, the actual returns offered by a mutual fund scheme vary depending on various factors including the exit load and expense ratio (if any). It provides a rough estimate of the maturity amount on your SIP, based on a projected annual return rate.

How can a SIP return calculator help you?

A SIP calculator is a beneficial tool that shows the estimated returns you will earn after the investment tenure. Benefits of SIP calculators include: 1. Assists you in determining the amount you want to invest. 2. Tells you the total amount you have invested. 3. Gives an estimated value of the returns.

How do SIP calculators work?

A SIP plan calculator works on the following formula: M = P Ã ({[1 + i]^n â 1} / i) Ã (1 + i). In this formula: â¢ M is the amount you receive upon maturity. â¢ P is the amount you invest at regular intervals. â¢ n is the number of payments you have made. â¢ i is the periodic rate of interest. For example, if you invest â¹1,000 per month for 12 months at a periodic rate of interest of 12%, then the monthly rate of return will be 12% / 12 = 0.01. Hence, M = 1,000 Ã ({[1 + 0.01]^12 â 1} / 0.01) Ã (1 + 0.01), which gives approximately â¹12,809 in a year. The rate of interest on a SIP can vary with market conditions, so the actual return may increase or decrease accordingly.

How to use systematic investment plan calculator?

Enter the monthly invested amount (the amount for which you have started the SIP), the number of years for which you want to stay invested, and the expected rate of return. As soon as you input the values, the calculator will show you the estimated amount you can avail after your investment tenure is complete.

Advantages of systematic investment plan calculator

â¢ Plan your investment based on the amount and tenure. â¢ Compute an estimated total value of investments at the end of your SIP tenure. â¢ Save time compared to manual calculations.

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SIP Top-Up Calculator

Calculate the future value of your SIP investments with the power of annual top-ups.

Investment per month

₹

₹5,000

₹ 1 Lakh

Expected rate of return

12%

Years of investment

1Yr

50 Yrs

Yearly top-up amount

₹

₹500

₹ 1 Lakh

Your estimated returns : ₹ 4,40,969

Disclaimer :

This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments.
This calculator may not be sufficient and hence, may not be solely depended upon to develop investment strategies for financial goals.
Tata MF does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Tata MF makes no warranty about the accuracy of the calculators/reckoners.
The examples do not claim to represent the performance of any security or investments.
In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.
SIP is allowed in select open ended schemes. Refer the Scheme SAI, SID, KIM for detailed information.