SIP Value calculator

If you are regularly investing but want to know where your SIPs will get you, plug in your SIP amount and the number of years, below, to find out.

Disclaimer:

Results shown for illustrative purpose only and should not be construed as investment advice.

What will your SIP get you?

SIP value calculator

An SIP is one of the most popular forms of investing in mutual fund schemes. This popularity comes about due to its key features which is rupee cost averaging and discipline. An SIP, or a systematic investment plan, is simply investing a fixed sum at a fixed interval. You may already be investing through SIP every month. But you may not know or have any idea of what such investments may amount to. Or you may have a sum to invest, but you’d like to know how much it can grow into in order to see if it can meet your goal requirement or what you can do with it.

This SIP value calculator comes in handy to know your wealth can grow over time. The SIP value calculator will help you estimate the total wealth accumulated through SIP at the end of the investment period, given an assumed rate of return. The SIP calculator does not account for exit load and expense ratio. You need to input three values in this SIP value calculator:

  • The first value is the monthly investment amount, which is the amount you intend to save every month, or you are already saving on a monthly basis.
  • The second value is the SIP duration, or the number of months you are planning to run your SIP.
  • The third value is the returns you expect your investment to generate. In this value, keep in mind that putting in very high returns can be misleading as reality will be far from it. Keep your return expectations reasonable, which will make your investments much more realistic.

After the input of the three values, the output gives the total corpus that you may accumulate. Do note, however, that this is just a rough estimate of your wealth creation as both equity and debt markets are subject to fluctuations.

Benefits of the SIP value calculator

SIP is one of the most attractive forms of investment compared to lump sum investment. This is because it allows anyone to start investing with any sum they have. It allows you to slowly build up your wealth even if you are unable to save large sums. An SIP allows you to take advantage of starting early which increases the effect of compounding. And finally, it also helps you become financially disciplined.

So, knowing how much your SIP can grow into will help you make better financial decisions.

  1. The SIP value calculator will tell you how far away from your target amount you are. Instead of simply investing blindly without knowing how much you can earn, getting a rough estimate of your wealth will help bring better focus to your investments.
  2. The SIP value calculator can help you prioritise your investments, as you can increase SIP amount if your current SIPs are too low to meet your need. If your SIPs can grow far higher than your target, you can redirect part of the amount to a different goal.
  3. It helps you pick the funds that best suit your requirement. If your value falls short of target in the SIP value calculator, you can consider using higher-risk funds in order to earn better returns and increase wealth if your time frame and your risk appetite allow you to do so. If your wealth estimate is well ahead of your requirement, you can consider moving to lower-risk funds in order to preserve your wealth.
  4. An estimation of your investment value using the SIP value calculator, even if this is a rough figure, will still help you know if your savings are as per your requirements.

What are the types of SIPs?

Flexible SIP

A flexible SIP is a type of SIP where an investor can change the amount being invested every month. This can help when an investor’s income stream fluctuates which makes it difficult to commit to a fixed sum every month. It can also help informed investors who wish to take calls based on market levels, and invest more when the markets are falling and lower when markets are at highs.

Step UP SIP

Step up SIP allows the investor to increase the SIP amount after regular intervals. For instance, you can start investing with Rs. 20,000 and instruct the fund house to increase the SIP amount by Rs. 2,000 after every six months. So for the first six months you invest Rs 20000 and after six months you invest  Rs 22,000, and Rs 24,000 after that and so on. This ensures that your SIP increases as your income increases, so that your wealth creation stays in line with your changing lifestyle.

Perpetual SIP

An SIP mandate requires the investor to fill the start date and the end date or the time of the maturing of the SIP. If the investor fills only the start date and does not mention the end date of the SIP then such an SIP becomes a perpetual SIP. Perpetual SIPs help ensure that an investor does not forget to renew a SIP once it ends. The investor gets the option to stop the SIP by submitting a written application to the fund house, or by instructing the platform on which the SIP is being run.

Trigger SIP

A trigger SIP is useful for more discerning or informed investor. In a trigger SIP, an investor sets a trigger, such as market levels or fund NAV levels/ returns. When this trigger is met, the SIP amount is deployed into the funds. Until the trigger is invoked, the SIP is not invested. For instance, an investor can mention that your SIP amount should be withdrawn from your bank account and used to purchase units of the selected scheme only if the NAV of the scheme falls up to a certain level decided. In Trigger SIPs, the date of the SIP will depend on the trigger and you may not have regular investments either.

What should you do with the SIP Value Calculator?

No matter what type of SIP you are using, the SIP Value Calculator helps you allocate your savings in a more focused manner towards your goals. For the best mutual funds to invest in, you can use our Prime Funds list. This mutual fund list covers different mutual fund categories, and are bucketed in a system that makes it easy for you to pick the funds that best suit your requirement. Each Prime Fund is unique and this allows you to build a diversified portfolio with minimal effort.

If you do not wish to design your own portfolio, or you need some help or ideas in mixing different funds, you can look at Prime Portfolios. These are our ready-to-use portfolios that you can start investing in right away. We have built different portfolios to suit different needs such as children’s education, buying a home, planning a vacation, retirement, and so on. Prime Portfolios come with a ‘Follow’ feature that alerts you when we recommend changes.

Legal Disclaimer : Redwood Research (with brand name PrimeInvestor) is an independent research entity offering research services on personal finance products to customers. We are a SEBI registered Research Analyst (Registration: INH200007478). The content and reports generated by the entity does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. All content and information is provided on an ‘As Is’ basis by PrimeInvestor. Information herein is believed to be reliable but PrimeInvestor does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. The services rendered by PrimeInvestor are on a best effort basis. PrimeInvestor does not assure or guarantee the user any minimum or fixed returns. PrimeInvestor or any of its officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates will not liable for any losses, cost of damage incurred consequent upon relying on investment information, research opinions or advice or any other material/information whatsoever on the web site, reports, mails or notifications issued by PrimeInvestor or any other agency appointed/authorised by PrimeInvestor. Use of the above-said information is at the user’s own risk. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. All intellectual property rights emerging from this website, blog, and investment solutions are and shall remain with PrimeInvestor. All material made available is meant for the user’s personal use and such user shall not resell, copy, or redistribute the newsletter or any part of it, or use it for any commercial purpose. PrimeInvestor, or any of its officers, directors, employees, or subsidiaries have not received any compensation/ benefits whether monetary or in kind, from the AMC, company, government, bank or any other product manufacturer or third party, whose products are the subject of its research or investment information. The performance data quoted represents past performance and does not guarantee future results. Investing in financial products involves risk. Mutual Fund Investments are subject to market risk, read all scheme related documents carefully. As a condition to accessing PrimeInvestor’s content and website, you agree to our Terms and Conditions of Use, available here. This service is not directed for access or use by anyone in a country, especially, USA, Canada or the European Union countries, where such use or access is unlawful or which may subject Redwood Research or its affiliates to any registration or licensing requirement.

• Aditya Birla Mutual Fund • Axis Mutual Fund • Baroda Mutual Fund • BNP Paribas Mutual Fund • BOI AXA Mutual Funds • Canara Robeco Mutual Fund • DSP Mutual Fund • Edelweiss Mutual Fund • Essel Mutual Fund • Franklin Templeton Mutual Fund • HDFC Mutual Fund • HSBC Mutual Fund • ICICI Mutual Fund • IDBI Mutual Fund • IDFC Mutual Fund • IIFL Mutual Fund • Indiabulls Mutual Fund • Invesco Mutual Fund • ITI Mutual Fund • Kotak Mahindra Mutual Fund • L&T Mutual Fund • LIC Mutual Fund • Mahindra Mutual Fund • Mirae Asset Mutual Fund • Motilal Oswal Mutual Fund • Nippon India Mutual Fund • PGIM Mutual Fund • PPFAS Mutual Fund • Principal Mutual Fund • Quant Mutual Fund • Quantum Mutual Fund • Sahara Mutual Fund • SBI Mutual Fund • Shriram Mutual Fund • Sundaram Mutual Fund • Tata Mutual Funds • Taurus Mutual Funds • Union Mutual Funds • UTI Mutual Funds • Yes Mutual Funds

Equity: Large Cap Funds | Mip Cap Funds | Large And Mid Cap Funds | Small Cap Mutual Funds | Contra Mutual Funds | Dividend Yield | Focused Mutual Funds | Find Top Index Funds | Best Sector Funds | Thematic Mutual Fund | Best Value Mutual Funds | Equity Linked Savings Scheme | Tax Saving Funds Debt: Banking And PSU Funds | Corporate Bond Funds | Credit Risk Funds Mutual Funds | Dynamic Bond Funds | Floating Rate Funds | Gilt Mutual Funds India | Find Top Liquid Funds In India | Long term debt funds | Low Duration Funds Debt Funds | Medium Duration Debt Funds | Medium To Long Duration Funds | Money Market Debt Funds | Overnight Debt Funds | Short Duration Debt Funds | Ultra Short Term Debt Fund Hybrid: Aggressive Hybrid Funds | Arbitrage Mutual Funds | Balanced Advantage Mutual Funds | Conservative Hybrid Funds | Dynamic Asset Allocation | Equity Saving Funds | Multi Asset Funds | Multi Asset Allocation

Mutual fund rolling returns by category: Balanced Advantage | Conservative Hybrid Fund | Corporate Bond | Dividend Yield | Dynamic Bond | Equity Linked Savings Scheme | Floating Rate | Index Funds | Large and Midcap fund | Large Cap Fund | Liquid funds | Low Duration | Mid Cap Fund | Multi Cap Fund | Short Duration | Small cap Fund | Solution Oriented – Childrens Fund | Ultra Short Duration

Login to your account
OR