Estimation is based on the past performance
Invested Amount
Est. Returns
The SIP calculator is a free online tool that helps you understand how your SIP investments will likely grow over a given period at a specified expected rate of return. Find out how it works, how to use a SIP calculator and what its benefits are.
Scheme Name |
Expense Ratio | 1Y Returns | |
|---|---|---|---|
HDFC Silver ETF Fund of Fund - Regular (G)Regular Fund | FoFs Domestic |
0.60% | 90.60% p.a. | |
Nippon India Silver ETF FOF (G)Regular Fund | FoFs Domestic |
0.59% | 90.47% p.a. | |
Aditya Birla SL Silver ETF FOF (G)Regular Fund | FoFs Domestic |
0.67% | 90.13% p.a. | |
AXIS Silver Fund of Fund - Regular (G)Regular Fund | FoFs Domestic |
0.71% | 88.52% p.a. | |
ICICI Pru Silver ETF Fund of Fund (G)Regular Fund | FoFs Domestic |
0.60% | 89.81% p.a. |
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals. Instead of putting in a large sum at once, SIPs allow you to build your investment gradually. This approach helps you stay committed, reduces market-timing stress, and makes investing accessible for beginners and experienced investors alike.
An SIP Calculator helps you estimate how much your regular investments may grow over time. You enter the monthly investment amount, expected rate of return, and investment duration. The calculator then shows the total investment made, estimated returns, and potential maturity amount.
It helps you:
• Set realistic goals based on your monthly budget
• Compare different SIP amounts or durations
• Understand the long-term effect of compounding
• Plan for goals like education, home purchase, or retirement
SIPs work by investing a fixed amount at regular intervals, regardless of market levels. When markets fall, you buy more units; when markets rise, you buy fewer units. This is called rupee-cost averaging. Over time, it helps smooth out market fluctuations and builds wealth steadily.
Key aspects:
• Automatic, disciplined investing
• No need to time the market
• Compounding boosts long-term growth
SIP Calculation Formula
Most SIP Calculators use the standard future value formula for monthly investments:
Future Value of SIP = P × {(1 + r)^n - 1}/r × (1 + r)
Where:
P = Monthly SIP amount
r = Monthly rate of return (annual rate ÷ 12)
n = Total number of months
This formula helps estimate the maturity amount by accounting for monthly contributions and compounding.
Example:
P = ₹2,000 per month
Annual return = 12% → Monthly r = 1% (0.01)
Tenure = 5 years → n = 60 months
Future Value = 2,000 × {[(1.01)⁶⁰ − 1] ÷ 0.01} × 1.01
(1.01)⁶⁰ ≈ 1.816
(1.816 − 1) ÷ 0.01 = 81.6
2,000 × 81.6 × 1.01 ≈ ₹1,64,832
Final Value: ≈ ₹1.65 lakh.
A SIP Calculator with inflation shows how rising prices affect your future financial goals. You enter the inflation rate along with your SIP details, and the tool calculates the real value of your expected returns. It helps you understand how much you’ll truly need to meet goals like education or retirement after adjusting for inflation.
A SIP Calculator gives clarity on how your investments may grow, helping you plan better. You can compare different SIP amounts, see the impact of compounding, and estimate how long it might take to reach a particular goal.
Benefits include:
• Easy goal planning
• Instant projections
• Helps adjust SIP amount or tenure
• Offers realistic expectations instead of guesswork
• Improves financial discipline and long-term planning
A SIP Calculator shows how small, consistent investments grow into a sizeable corpus over time. It helps you test different scenarios—like increasing SIP amounts or extending the duration—to understand their impact on returns.
You can use it to:
• Estimate future wealth
• Compare short-term vs long-term outcomes
• Plan for specific goals
• Adjust your SIP based on affordability
This makes financial planning clearer and more structured.
Using the Bajaj Broking SIP Calculator is a simple three-step process:
• First, enter the monthly investment amount you plan to contribute.
• Second, select the investment duration by entering the number of years you wish to stay invested.
• Third, set the expected annual rate of return (%) you anticipate from your mutual fund SIP.
Once these inputs are added, the calculator instantly shows:
• Total invested amount
• Estimated returns
• Total future value at maturity
This helps you plan your SIP goals with clarity and accurate projections.
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A lumpsum investment involves using a large sum to purchase fund units upfront. This is a one-time investment. However, a SIP or Systematic Investment Plan involves investing small sums regularly, at fixed intervals.
That depends on the terms and conditions set by your preferred stock broker or mutual fund house. In some cases, you can modify your SIPs. In others, you may have to cancel your current SIP and start a new one instead.
Yes, it is possible to withdraw your SIP investments at any time. However, close-ended mutual funds and Equity Linked Savings Schemes (ELss) are the exceptions to this rule.
Some mutual fund schemes may come with exit load fees that are levied when you redeem your SIP investments.
Missing one SIP instalment may not lead to any penalty or issue. However, consistent defaults for 3 months or more may result in a penalty or in the SIP being cancelled. So, ensure that you do not miss the next SIP as well.
A SIP calculator is simple to use: you enter three factors, the monthly investment amount, the anticipated yearly return, and the investment time frame. The calculator then calculates your total invested amount, intended return, and expected maturity value. This allows for comparing potential scenarios, having realistic expectations and planning effective SIPs for long-term wealth generation.
You can invest in a SIP with as little as Rs. 100 per month, depending on the mutual fund scheme. There is no defined upper limit, so you can continue increasing contributions as your income rises. Your investment should always be consistent with your financial goals and risk tolerance.
Most mutual funds offer SIP tenures ranging from 1 year to 30 years. A tenure is suitable based on your investment goal: shorter tenures for medium-term goals, and longer tenures for wealth accumulation. You can change the SIP at any time based on your financial status and stop or change it at any time.
There is no limit to the maximum SIP investment. You may contribute any amount you believe you can afford and that is suitable for your goals. However, some mutual funds may have their own limits or minimum incremental amounts. In any case, you should always review the scheme documents for your fund before entering any high-value SIP arrangements.
A SIP calculator provides an estimated return based on assumed annual growth rates, it will not provide actual numbers. Actual returns vary by market impact, fund-managed returns, and economic conditions. The SIP calculator shows potential growth, which you can use to decide on an investment.
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