Types of SIP Calculators

A SIP calculator, also known as a Mutual Fund SIP Calculator, is a digital tool that estimates the future value of your Systematic Investment Plan (SIP) investments. It helps you select how much you want to invest, examines the entire amount you have invested, and displays an estimated return value.
EXPLORE FUNDS
Types of SIP Calculators
EXPLORE FUNDS
4 mins
13-December-2024

You can use SIP calculators to get accurate and faster results related to mutual fund investment. This is because these online calculators are accurate and offer instant results, apart from being accessible to you on the go. Here are the different types of SIP calculators and how they can help you make more informed investments.

SIP calculator

Making small and regular investments towards your Systematic Investment Plan can earn you high returns over a long tenor. You can see exactly how this is possible by using this calculator. The SIP calculator helps you look at your total investment amount, total maturity amount and your income on your investment. You can do this task easily by taking help from sliders or inputting the desired amounts, including the monthly investment amount, tenor and expected rate of return.

SIP advanced calculator

By incorporating inflation into the calculations, the SIP calculator goes beyond financial planning to compute your investment and earnings with greater accuracy. The calculator enables you to adjust for inflation, giving you a more realistic understanding of your returns. To use the calculator, simply input your desired monthly investment amount, tenor, expected rate of return, and expected inflation rate using the sliders or typing them in. The results will show you the total investment amount, maturity amount before inflation, maturity amount after inflation, and total earnings.

Also read: What is mutual fund

SIP need calculator

To amp up your financial planning, you can use a SIP need calculator to calculate how much you will need to save through SIPs to achieve your financial goals. All you need to do is enter your financial goal amount, the years you have given yourself to achieve the same and the expected rate of return. This SIP calculator will then show you your investment amount, the required monthly investment and your earnings on the investment. In short, this calculator makes planning your SIP very easy.

Also read: What is SWP in mutual fund

Delay cost calculator

If you want to delay your SIPs or see the cost of delaying your investment, use this SIP calculator. Delay cost calculator takes your monthly investment amount, tenor, expected rate of return and delay in the investment year into account while providing the results. The results include your total investment amount, your maturity amount for the investment if you start today, your maturity amount for the investment put in after delayed years and your cost of delay. So, if you are in two minds about whether or not to invest, this calculator is sure to make you rethink your priorities.

Also read: What is CAGR

Conclusion

Make financial planning easier and choose the best SIP plan by using these four SIP calculators.

Besides, investing in SIPs is extremely easy. All you need to do is set a financial goal you want to achieve, decide the amount you’re willing to invest, choose a suitable tenor, and find a SIP with a good track record and is likely to do well in the future too.

Choose from 300+ mutual fund schemes across the country’s top 14 asset management companies with Bajaj Finance Mutual Fund. Start a SIP today.

Essential tools for mutual fund investors

Mutual Fund Calculator

Step Up SIP Calculator

Tata SIP Calculator

LIC SIP Calculator

SBI SIP Calculator

HDFC SIP Calculator

Nippon India SIP Calculator

ICICI SIP Calculator

Groww SIP Calculator

BOI SIP Calculator

Motilal Oswal Mutual Fund SIP Calculator

Kotak Bank SIP Calculator

Frequently Asked Questions

What is an SIP calculator?

An SIP calculator is a financial tool that helps investors estimate the future value of their investments in Systematic Investment Plans (SIPs). By inputting details like the SIP amount, tenure, and expected rate of return, investors can calculate the potential wealth accumulated over time.

Which type of SIP gives the highest return?

Equity SIPs, which invest predominantly in stocks, have the potential to provide the highest returns over the long term. However, they also come with higher risk due to market volatility.

What is the most common SIP?

The most common type of SIP is an equity SIP, where investors regularly invest a fixed amount in mutual funds that primarily invest in stocks. Equity SIPs are popular for wealth creation and long-term financial goals like retirement and education planning.

What is a SIP Calculator, and how does it work?

A SIP (Systematic Investment Plan) calculator is a financial tool that helps investors estimate the potential returns on their SIP investments over time. It works by taking into account the investment amount (monthly contribution), the expected rate of return, and the investment duration. By inputting these parameters, the calculator provides an estimate of the total amount accumulated at the end of the investment period, including both the principal and the returns.

How can I use a SIP Calculator to plan my investments?

To use a SIP calculator, follow these steps:

  • Input Monthly Investment: Enter the amount you plan to invest monthly.
  • Expected Rate of Return: Estimate the annual return rate based on the historical performance of the mutual funds you’re considering.
  • Investment Duration: Specify how long you plan to invest (in years).
    The calculator will provide you with the projected total investment value, helping you assess if your investment goals are realistic and how mu
Is the rate of return used in the SIP Calculator guaranteed?

No, the rate of return used in a SIP calculator is not guaranteed. It is typically based on historical performance data and can vary significantly depending on market conditions. While mutual funds may have an average annual return based on past performance, actual future returns can fluctuate. Investors should be cautious when using historical rates as a benchmark and consider their risk tolerance when estimating potential returns.

Can I change my SIP amount later, and how does it affect the calculations?

Yes, you can change your SIP amount at any time, either by increasing or decreasing your monthly contributions. If you adjust your SIP, you can use the calculator to re-calculate your projected returns based on the new investment amount, the same expected rate of return, and the remaining investment duration. Increasing your SIP amount can lead to higher accumulated returns over time, while decreasing it may reduce the final corpus.

What factors should I consider when interpreting the results from a SIP Calculator?

When interpreting the results from a SIP calculator, consider the following factors:

  • Market Volatility: Understand that market conditions can impact the actual returns of your investments.
  • Inflation: The purchasing power of your returns may be affected by inflation, which can reduce the real value of your investment gains.
  • Time Horizon: Longer investment periods generally yield higher returns due to the power of compounding.
  • Risk Tolerance: Your comfort with risk should guide your investment choices, including the mutual funds you select for your SIP.
    By factoring in these considerations, you can make more informed investment decisions based on the calculator's projections.
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