Systematic Investment Plan Calculator – Calculate Mutual Funds & Returns

Now you can easily calculate your investments in Mutual Funds by using SIP Calculator. Also, you can estimate your returns by calculating with Systematic Investment Plan Calculator. Here we have explained the calculation of SIP by taking an example which is given below. We are also providing online SIP Calculator in our site which helps to calculate your return or maturity amount very easily. Finally, you can simply understand or know about the Systematic Investment Plan from the below sections.

What is SIP?

The SIP which is commonly known as Systematic Investment Plan. A SIP is a smart and free of inconvenience for investing money in Mutual Funds. This allows you to invest a pre-determined money at regular interval i.e. quarterly, monthly, weekly. Also, Systematic Investment Plan is a planned approach towards the investments and helps to make a habit of saving money for the future. Mainly the SIP Calculator helps you to calculate the wealth gain and the return amount for your Monthly investment.

The SIP is very convenient and easy investment plan. The money which is there in your account is automatically transferred to the particular Mutual Fund Scheme. Based on the ongoing market rate you are allocated with some value called Net Asset Value as per the day.

Systematic Investment Plan – SIP Calculator

By the Systematic Investment Plan Calculator, you can easily calculate the return value of the investment that you have made for a particular period. Here we have explained the SIP Calculation with an example. So with this example, you can understand how the SIP Calculator calculates the maturity amount. Here we have given two examples i.e. one example for calculating the SIP frequency for monthly and another example for calculating the SIP Frequency for yearly.

In our site, we are providing online SIP Calculator so you can easily calculate your return amount which you have invested for a particular period. With this SIP Calculator, you need not solve your return amount by manually i.e., it will tell you about the return money using formula. So, only by entering the amount which you want to invest it automatically calculates by one click. Because everyone is not proficient in calculating the problems, some may solve very easily but some may not. So, they can use this online SIP calculator to know their maturity amount.

SIP Calculator


Latest Annual returns of Top Mutual Funds

S.no List of Mutual Funds Annual Returns
1 ICICI Pru top 100 Mutual Fund 32.2%
2 Principal Emerging Blue- chip fund 38.0%
3 ICICI Pru Focussed Bluechip fund 26.3%
4 DSP Blackrock Micro Cap Mutual Fund 41.6%
5 Franklin India Smaller Companies Fund 33.7%
6 Mirae Emerging Bluechip Fund 39.9%
7 ICICI Pru Balanced Mutual Fund 28.9%
8 HDFC Balanced Fund 24.5%
9 Kotak Select Focus Fund. 31.6%
10 Birla Sun Life Frontline Equality Fund 24.1%

The SIP mutual fund interest rates of the top mutual funds are mentioned in the above table. Before, you invest the money in the SIP saving scheme refer the table and select the best performing Mutual Fund. These are the mutual funds of different banks. Therefore, select the any one of the mutual funds to invest money for a particular period of time.

Example for Calculating Mutual Amount for Monthly as SIP Frequency

  1. Take SIP Amount of Rs. 10,000/-, No. of SIP Payments for 12 months, and you can take expected annual rate as you wish as per the rules. But here we have taken as 10% as expected annual rate. Then finally by calculating, the return amount after 12 months is

The below formula can calculate the annual return value

FV = P* (( 1+i)^n-1)/i) * (1+i)

where, FV= Future value/ Maturity amount

P= SIP Amount

n=Number of SIP Payments

i= periodic interest rate per sip payment period

r= Expected return rate in % per year

The returns are compounded for every investment i.e. monthly SIP’s are compounded monthly, the periodic interest rate i is

i= r/12 (SIP for monthly)

SIP for yearly i.e i= r

i= r/365 (SIP for daily)

The SIP return calculation is as follows:

here p= 10,000/-

n=12 months, r= 10%

i= (10/100)/12 = (1/10)/12 = 1/120

then FV= 10,000 * ((1+1/120)^12 -1) / 1/120) * (1+1/120)

Therefore the total investment = 120000 & amount at the end of the tenure = 126702.81

Example for Calculating Mutual Amount for yearly as SIP Frequency

  1. Take SIP Amount of Rs.1000/-, No.of SIP Payments is for one year, and you can take expected annual rate as you wish as per the rules. But here we have taken as 10% as expected annual rate. Then finally by calculating, the return amount after one year is

The annual return value can be calculated by the formula

FV = P * (( 1+i)^n-1)/i) * (1+i)

here P = 1000/- ,

n=1 year,

i = r for yearly as given above

So, i= 10% = 10/100 = 1/10 Then

The SIP return calculation is as follows:

FV= 1000 * ((1+1/10)^1 – 1) / 1/10) * (1 + 1/10)

Therefore, the total investment = 1000 & amount at the end of the tenure = 1100

Also, here we have provided SIP Annual amount by investing money for daily. So, for calculation, we have taken an example for calculating the maturity amount.

Example for Calculating Mutual Amount for daily as SIP Frequency

  1. Take SIP Amount of Rs. 1000/-, No. of SIP Payments is for 365 days, and you can take expected annual rate as you wish as per the rules. But here we have taken as 10% as expected annual rate. Then finally by calculating the return amount after 365 days is

The formula can calculate the annual return value

FV = P * (( 1+i)^n-1)/i) * (1+i)

here P = 1000/- ,

n=365 days,

i = r/365 for daily as given above

So, i= 10% = 10/100 = 1/10/365 Then i = 1/3650

The SIP return calculation is as follows:

FV = 1000*((1+1/3650)^365 -1)/ 1/3650)* (1+1/3650)

Therefore, the total investment =365000  & amount at the end of the tenure = 383923.76

Benefits of Systematic Investment Plan

There are benefits of Systematic Provident Plan (SIP) when compared to the lump sum investments. They are listed below. So, the benefits will help you to understand clearly about the SIP Investments.

  • The disciplined approach towards investment:

You can decide to invest a small amount in the SIP Scheme for a fixed period without thinking more about the market value. This method will help you in investing on a regular basis without taking too much risk at a time. The fixed period of investing amount helps you to maintain easier for a long period than investing big amount at one time.

  • Rupee cost averaging:

If the investor invests fixed amount for a particular period through Systematic Investment Plan, so they purchase more units in the mutual fund if the price is low and purchases fewer units in the mutual funds if the price is more. Over a long period, this results in lowering or decreasing the average cost of the units which are purchased in the mutual funds. Therefore the SIP requests to free the investors from the investment in the market.

  • Flexibility:

The Systematic Investment Plan is very flexible in providing more options to the retail investors. So, the investors can increase or decrease the amount on which they are investing every year or month. Also, they may discontinue their SIP Plan any time without any inconvenient.

  • The power of Compounding:

The Systematic Investment Plan tackles the most powerful strategy, so it is the power of compounding. If the investors start investing money soon, the money gets to grow. Even the small amount which is invested will also turn into big over a long period.

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