SIP Calculator

A SIP calculator is an online tool that helps you determine the future value of your mutual fund investments based on various factors such as investment amount, expected rate of return, duration and the frequency of investment.
Monthly SIP
I want to invest (Monthly)
₹ 1000 ₹ 100000
For a Period of
1 Y 30 Y
Expected Growth Rate
1 % 30 %

Future value of your Investments

Total Investment

Total Gains

Illustrative Compounded Growth line

Select Inflation%

  • 4%
  • 6%
  • 8%

Goal Amount

You need to Invest today

Total Investment

Interest Earned

Illustrative Investment vs Interest Earned* doughnut

Total Investment
Interest Earned
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What is Systematic Investment Plan?

A SIP or Systematic Investment Plan allows you to invest a predetermined amount on a regular basis (generally on a monthly, quarterly, or annually) in a mutual fund. It is a disciplined investment approach that helps individuals inculcate a habit of investing regularly. The amount is automatically deducted from your bank account on the predetermined date and invested in the chosen mutual fund scheme. The biggest advantage of this is that it helps you benefit from the power of compounding. By investing a small amount of money over an elongated period regularly, you can accumulate a significant corpus to achieve your financial goals.

SIP Calculator

The SIP calculator is a tool which helps you compute the expected returns on your investments made through SIPs. This tool uses a formula to calculate the expected returns on investment depending on the amount of money invested, the tenure of investment, and the expected return rate. They also help you plan your finances accordingly by providing you with an estimate of the returns which you can expect to earn over a particular period of time.

Benefits of SIP Investments

Here are a few benefits of SIP investments:

  • Disciplined investing
    SIPs help you build a disciplined approach towards your investments. This is so because they need to invest a fixed amount of money at regular intervals, which helps avoid impulsive decisions.
  • Power of compounding
    SIPs enable you to harness the power of compounding, ultimately permitting your investments to grow exponentially over time. Compounding refers to the process of earning interest on the principal amount and on the accumulated interest.
  • Flexibility
    SIPs offer you flexibility in terms of investment amount and frequency. You can also opt for the amount of money you want to invest and the frequency of investment as per your financial goals.
  • Rupee cost averaging
    SIPs help reduce the impact of market fluctuations through the concept of rupee cost averaging. This implies that you can buy more units of a fund when the market is down and fewer units when the market is up.
  • Long-term wealth creation
    SIPs are a great tool for long-term wealth creation since they permit you to invest regularly over a period of time. They can generate optimum returns by distributing the risk over time.

How Does SIP Calculator Work?

A SIP calculator is very easy to use. All you are required to do is enter certain details like the investment amount, SIP frequency, expected return rate, and investment tenure. This calculator uses a mathematical formula to compute the estimated returns. This will help you understand the expected returns on your investment and plan your finances accordingly.

The SIP calculator also offers a detailed breakup of the investment, including the total investment amount, the interest earned, and the final amount. This information can help you make informed decisions and plan your investment strategies better. Overall, this calculator is a useful tool for investment management and maximising your returns. 

How to Invest in Mutual Funds via SIP?

Follow these steps to invest in mutual funds via SIP:

Step 1: Download the Bajaj Markets App from the Playstore/App Store or visit the Bajaj Markets Website

Step 2: Login using your mobile number

Step 3: From the “Investment” section, click on “Mutual Funds”

Step 4: Select the mutual fund you wish to start the SIP in and click on “Invest Now”

Step 5: You will be redirected to a page displaying the fund details. Click on “Start SIP”

Step 6: Select or type the SIP amount and date on which you want the SIP to be deducted every month

Step 7: Choose the tenure you wish to invest for and click on “Proceed”

Step 8: Complete the payment process via Net Banking, UPI, NEFT or RTGS

In case it is the first time you are starting a SIP, set up Autopay to enable future SIP deductions. 

Frequently Asked Questions About Mutual Funds

Can I use the SIP calculator for any mutual fund scheme?

Yes, you can use the SIP calculator for any mutual fund scheme. However, it is important to note that the performance of different mutual fund schemes may vary and hence, the results may differ.

Is using an SIP calculator necessary for investing in mutual funds?

Do I need to provide personal information to use a SIP calculator?

Are SIP calculators available for free?

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