SIP Calculator

A Systematic Investment Plan or SIP calculator online will calculate the wealth gain and expected returns for your monthly SIP investment in mutual funds. The tool helps you get a rough estimate of the maturity amount for any of your monthly SIP, based on a projected annual return rate. You can use our 5paisa SIP calculator to see how much your investment can grow if you invest today.

Yr
%
  • Invested Amount

    ₹10000

  • Wealth Gained

    ₹11589

  • Expected Amount

    ₹21589

Year Invested Amount Wealth Gained Expected Amount

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What is SIP?

What is a SIP calculator?

How Can a SIP Return Calculator help you?

How to use 5paisa SIP Calculator?

How does the SIP Calculator work?

How is SIP Return Calculated?

What is Investment Approach in SIP Investment?

What is Target Approach in SIP Investment?

What are the different types of SIP?

How to Invest in SIP?

FAQ’s

There is no limit to the amount you can invest in a SIP. The minimum amount that you can invest is Rs. 500 per month.

SIP account is an arrangement made by the mutual fund houses which helps investors to invest a small amount of money into their choice's mutual fund plan at regular intervals. Having an active SIP account helps you instil a sense of financial discipline over time as you are forced to set aside a fixed sum at regular intervals.

There is no minimum or maximum tenure for SIP investments. The period of investing depends on your investment objective. When investing in equity mutual funds, it is recommended by experts to invest for at least 3 to 5 years. Since equity funds invest in stocks, they are volatile. Therefore, longer investment durations help you average out the volatility and generate significant returns.

People often get confused between SIPs and mutual funds and think that either SIPs and mutual funds are same or they are different. The fact is that SIP is a style of investing in mutual fund scheme or in stock/investment avenue. It is an investment vehicle used to invest in a particular mutual fund periodically.

Yes you can anytime check your SIP returns with our 5paisa SIP investment calculator and increase or decrease the SIP amount whenever you want.

No you can not only invest in equity mutual funds but also in debt and hybrid mutual funds through SIPs.

There are different types of SIPs available in the market
- Step-up or Top-up SIP: It enables you to increase your investment amount automatically at specified time intervals at a particular amount or percentage.
- Perpetual SIP: It enables you to keep investing as long as you wish to stay invested without any end date.
- Trigger SIP: It lets you start your investing journey during a specific period, event, NAV, etc.
- Flexible SIP: It helps you to change the investment amount whenever you want as per your preference.

Yes you can renew your SIP investments whenever you want. AMC companies even give you the option to cancel its automatic renewal feature.

Yes, you can pause your investments in SIP anytime you want. Mutual fund companies provide the option of pausing your SIP investments for a specific time period.

To calculate SIP returns manually you should know the future value formula:
FV = P [(1+i)^n-1]*(1+i)/i
where,
FV = Future Value of your SIP in mutual funds
P = SIP amount you invest in mutual funds
i = compounded rate of return
n= Investment duration in months
The returns are compounded for every SIP instalment.
Alternatively, you can use the XIRR function in an excel sheet to compute SIP returns.

You can log in to the mutual fund house website using your folio number or PAN number. Select the scheme and amount or number of units you wish to redeem. Upon successful redemption, the amount will reflect in your bank account.

Firstly, download the 5paisa App from App Store or Play Store. Next, create your profile, and complete the KYC procedure that is completely online and paperless. To proceed, complete the registration process by providing all the necessary details. Choose the plan that you wish to invest in, select the SIP option and invest. Investing through 5paisa app is as easy as online shopping and can be done within a couple of minutes.
 

SIP is a method of investing in a mutual fund. The taxability of mutual funds depends on their type and the period of investment. So, a SIP is not always tax-free. If you invest in an equity-linked saving scheme ELSS mutual fund, the returns will be tax-free. If you invest in equity mutual funds and invest for 12 months, you will receive short-term capital gain and pay tax @ 15% + cess + surcharge. However, if you stay invested for more than 12 months, then you will earn long-term capital gains and pay tax @ 10% + cess + surcharge if the gain is more than Rs 1 lakh.

SIP is a better investment option in comparison to FD especially if you consider the flexibility of investment, advantage of diversification, tax benefits, and higher returns. That is why it is better to invest in a systematic investment plan than in fixed deposit.

While investing in a mutual fund, SIPs are a much better option than lumpsum as the SIP solves the three big problems that people face while starting their investing journey - lack of adequate investible surplus, lack of discipline, and the fear of volatility in the stock market.