A Systematic Investment Plan (SIP) Calculator helps you estimate the future value of your SIP investments over a chosen time period. SIP is a disciplined and convenient way to invest regularly in mutual funds, allowing you to build wealth gradually for your long-term financial goals.
By inputting your monthly investment amount, expected annual return rate, and investment duration, the calculator provides:
Use the SIP Calculator to plan your finances, set realistic goals, and stay on track toward financial security.
Total Investment: ₹
Estimated Return: ₹
Future Value: ₹
A Systematic Investment Plan (SIP) Calculator is a free online financial tool that helps you estimate the potential returns from your SIP investments. Available on platforms like Angel One, it allows you to simulate and compare various SIP strategies by entering basic inputs like your investment amount, duration, and expected rate of return.
The calculator shows you:
While actual returns may vary due to market fluctuations, the calculator gives you a close approximation to help make informed financial decisions.
The SIP calculator considers three main factors:
It uses the formula: A=P×((1+r)n−1r)×(1+r)A = P \times \left( \frac{{(1 + r)^n - 1}}{r} \right) \times (1 + r)A=P×(r(1+r)n−1)×(1+r)
Where:
Using an SIP calculator can offer multiple benefits:
Estimate how much to invest monthly to reach a specific financial goal.
Get a realistic idea of how much your investments could grow over time.
Compare different SIP plans and investment strategies to find the one that fits your goals and budget.
Figure out how long it will take to reach your target or what rate of return is needed.
Angel One’s SIP calculator offers two main features:
Steps:
Result:
Steps:
Result:
Let’s say you want to invest ₹5,000 per month for 5 years at an expected return of 12% annually:
Result:
If you want a higher maturity value, you could either:
Suppose Mr. A wants to buy a car worth ₹5,00,000 in 2 years. He expects 12% annual return from his SIP:
Steps:
Result:
The calculator suggests investing around ₹18,353 monthly to achieve that goal in 2 years.
Here are some common SIP types to help you choose the right one:
| Type | Description |
|---|---|
| Regular SIP | Fixed amount invested regularly. Ideal for consistent income. |
| Flexible SIP | You can increase or decrease the amount based on market conditions or your finances. |
| Step-Up SIP | Increases your SIP amount at fixed intervals, often used with rising income. |
| Perpetual SIP | No end date—continues until you choose to stop. |
| Trigger SIP | Activates or adjusts based on specific market events or conditions. |
| Multi SIP | Invest in multiple mutual funds through a single SIP for diversification. |
Starting an SIP via the Angel One app is simple:
| Factor | SIP | Lump Sum |
|---|---|---|
| Suitable For | Regular income earners | One-time large investors |
| Risk Level | Lower (averages out cost) | Higher (market timing risk) |
| Flexibility | High | Low |
| Ideal When | Market is volatile | Market is low |
A SIP Calculator is an essential tool for anyone planning their long-term financial goals. Whether you're aiming for wealth creation, retirement planning, or achieving short-term goals like buying a car or home, the calculator empowers you with the foresight needed for smarter decisions.
Want help choosing the best SIP based on your financial goal or risk appetite? Let me know—I'd be glad to help!
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
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