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CalculatorsSIP Calculator
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SIP Calculator

A SIP calculator is a online tool that estimates the future value of your mutual fund investments made through a Systematic Investment Plan. The tool uses a compound interest formula to show your total invested amount, estimated returns, and final maturity value. Results are projections based on assumed returns. Actual market returns may vary.

Calculate your SIP returns:


SIP Investment

₹ 100
₹ 5,00,000

Expected Return Rate (p.a)

1%
30%

Time Period

1 yr
30 yrs

Total Investment

₹ 18,00,000

Returns

₹ 32,45,760



Returns
Total Investment

About SIP Calculator

What is a SIP Calculator?

A SIP Calculator is a simple and quick tool to help investors calculate the potential returns they can get from their mutual fund SIPs. A recent trend shows the increasing popularity of SIPs among millennials and Gen Zs, both as they are much more convenient and allow you to build long-term wealth gradually through disciplined monthly contributions.

Dhan's systematic investment plan calculator, also called the mutual fund SIP calculator, lets you know the value of your investments based on three things, namely amount, tenure, and expected rate of return. While this SIP plan calculator provides a quick estimate, the actual returns of a mutual fund scheme might vary depending on various factors. The SIP Calculator doesn't take into consideration the expense ratio or the exit load. Still, it can guide you with a rough projection of your corpus and help you compare it with a lump-sum investment.

SIP Calculator Formula

To calculate the amount you will receive upon maturity of an SIP, also known as the future value, the following formula is used -

M = P × {(1 + r)^n - 1} / {r} × (1 + r)

In this formula -

  • M is the future value of the SIP
  • P is the monthly SIP amount
  • n is the total number of installments you made
  • r is the periodic rate of interest

Example of SIP Calculator

Say Mr. A wants to invest Rs. 5000 per month for 10 years at an annual rate of 12% through SIP investment. Now, in order to calculate how much amount we will receive at the time of maturity (M) we require a monthly rate of return, which is "r".

Now read the problem statement carefully: 12% is the annual rate, and we need to calculate the monthly rate. Typically, people divide 12 by 12 and take 1% as the monthly rate, but that's incorrect. Because we forget to consider that the returns are compounding over time.

You can simply convert the annual returns into monthly returns using this formula -

Monthly Return = {(1 + Annual Return)^1/12} – 1

Here,

r = (1 + 0.12)1/12 −1

= 0.0095 or 0.95%

For this scenario, the monthly return comes out to 0.95% and not 1% using the above formula.

Now, let's plug the values into the formula:

  • P = ₹5,000
  • r ≈ 0.0095
  • n = 120

FV = 5,000 × {(1 + 0.0095) ^ 120 - 1} / {0.0095} × (1 + 0.0095)

After 10 years, Mr. A's SIP corpus will be around Rs 11.2 lakh. Out of this, he has invested Rs 6 lakh (₹5,000 x 120), and the remaining Rs 5.2 lakh is all compounded.

One key point to remember is that the rate of return on SIP is not fixed and might differ with market conditions.

How to use Dhan's SIP calculator?

The SIP calculators at Dhan are designed for you to plan your investments more effectively. Using any of these SIP investment return calculators is quick, easy, and takes a few simple steps:

  • Firstly, add how much amount you plan to invest regularly.
  • Next, choose the number of years you want to stay invested.
  • Lastly, enter the annual return percentage you expect based on your chosen mutual fund.

After entering this information, the calculator shows your

  • Estimated maturity amount
  • Total investment
  • Expected returns after compounding.

You can adjust the monthly investment amount or tenure as per your financial goals.

How to Start SIP on Dhan?

To figure out how much you need to invest in a mutual fund through a monthly SIP, use Dhan's SIP calculator. It helps estimate the monthly SIP amount required to reach your financial goals.

After calculating your SIP amount, follow the steps below to start your SIP:

  • Open the Mutual Funds section on Dhan App.
  • Here, you will find multiple options of Direct Mutual Funds to choose from. You can explore categories like High Returns, Top-Rated Schemes, or Trending Mutual Funds on Dhan.
  • Once you have found the Direct Mutual Fund you want to invest in, click the " + Invest Now" button at the bottom of the screen.
  • Here, enter the amount you want to invest, the date that you want the money to be debited from your account and also the frequency of your SIPs. On Dhan, you can choose from Daily, Weekly, or monthly SIPs.
  • After this, enter the OTP that will be triggered. This is a platform confirmation OTP.
  • Next, select UPI or Net Banking - whatever your mode of payment will be for SIPs.
  • Once you give UPI or Net Banking confirmation, your SIP will be set!

SIP vs. Lumpsum vs. Step-Up SIP

Now that we know what SIP is, let's understand how it actually differs from Lump-sum and Step-Up SIPs.

If you are planning to start an SIP and are confused about whether to go with a Step-Up SIP, a lump sum investment, or a Systematic Investment Plan, then let us break this down for you.

Below are three tables, each showing how an investor's corpus could grow over a 10-year horizon, assuming an annual growth rate of 15% CAGR.

Monthly SIP of ₹5,000 at 15% CAGR

YearAmount InvestedEstimated ReturnsMaturity Value
1st Year₹ 60,000₹ 5,106₹ 65,106
2nd Year₹ 60,000₹ 20,677₹ 1,40,677
3rd Year₹ 60,000₹ 48,397₹ 2,28,397
4th Year₹ 60,000₹ 90,219₹ 3,30,219
5th Year₹ 60,000₹ 1,48,408₹ 4,48,408
6th Year₹ 60,000₹ 2,25,598₹ 5,85,598
7th Year₹ 60,000₹ 3,24,841₹ 7,44,841
8th Year₹ 60,000₹ 4,49,683₹ 9,29,683
9th Year₹ 60,000₹ 6,04,239₹ 11,44,239
10th Year₹ 60,000₹ 7,93,286₹ 13,93,286

Lumpsum Investment of ₹ 1,00,000 at 15% CAGR

YearAmount InvestedEstimated ReturnsMaturity Value
1st Year₹ 1,00,000₹ 15,000₹ 1,15,000
2nd Year-₹ 32,250₹ 1,32,250
3rd Year-₹ 52,088₹ 1,52,088
4th Year-₹ 74,901₹ 1,74,901
5th Year-₹ 1,01,136₹ 2,01,136
6th Year-₹ 1,31,306₹ 2,31,306
7th Year-₹ 1,66,002₹ 2,66,002
8th Year-₹ 2,05,902₹ 3,05,902
9th Year-₹ 2,51,788₹ 3,51,788
10th Year-₹ 3,04,556₹ 4,04,556

Monthly SIP of ₹5,000 at 15% CAGR with annual Step-Up at 10%

YearAmount InvestedEstimated ReturnsMaturity Value
1st Year₹ 60,000₹ 5,106₹ 65,106
2nd Year₹ 66,000₹ 21,188₹ 1,47,188
3rd Year₹ 72,600₹ 51,207₹ 2,49,807
4th Year₹ 79,860₹ 97,951₹ 3,76,411
5th Year₹ 87,846₹ 1,65,936₹ 5,32,242
6th Year₹ 96,631₹ 2,59,718₹ 7,22,655
7th Year₹ 1,06,294₹ 3,84,933₹ 9,54,163
8th Year₹ 1,16,923₹ 5,48,269₹ 12,34,422
9th Year₹ 1,28,615₹ 7,57,652₹ 15,72,497
10th Year₹ 1,41,477₹ 10,22,270₹ 19,77,977

FAQs on SIP Calculator

There's no fixed limit: you can invest as much as you are comfortable with. However, the minimum amount you have to start with is Rs 500 per month.


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