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Invested Amount

Est. return

Total Investment:

₹

91,95,560.24

Total Earned:

₹

91,95,560.24

Extra You Earned:

₹

91,95,560.24

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Invested Amount

Est. return

Total Wealth:

₹

91,95,560.24

Wealth Gained:

₹

91,95,560.24

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Invested Amount

Est. return

Return

Amount invested by you:

₹

91,95,560.24

lumpsome return:

₹

91,95,560.24

Monthly Investment Grows to (Rs.):

₹

91,95,560.24

SIP calculator is a virtual tool that enables investors to calculate the estimated returns on their investment in mutual funds overtime. The mutual fund SIP calculator online is free through which any investors can know how their investment will benefit them over time. To use the SIP calculator, investors just need to enter their investment amount, SIP frequency or SIP investment tenure, and expected return rate.

The SIP calculator equipped with its calculation formula estimates the return amount of your investment in a mutual fund.

You must know that the SIP calculator does not only refer to investment through an SIP (Systematic Investment Plan) but also includes lump sum investment. In a mutual fund, investors can invest in two ways: first, through regular investment called SIP, and second, through one-time investment called “lump-sum”.

SIP calculator enables you to calculate the returns from both lumpsum and SIP investments.

The SIP calculator works with a formula that requires some key inputs, including the SIP investment/one-time investment amount, yearly returns, and investment period. Afterwards, it shows the result of total earnings in contrast with your total investment.

With it, you can check the estimated returns of various SIP funds, compare them, and choose the best SIP fund for your investment. Moreover, you can use the SIP calculator to make investment strategies for higher and considerable returns.

For example:

You want to start a monthly SIP with the amount of 5,000/- for 12 years at a 12% rate of return. The total amount you will invest is 6,00,000/-. With the calculator, you can estimate the maturity amount of your investment.

For 5000/- monthly investment the total earning will be 11,61,695/- . The amount you’ll earn extra from your investment will be 5,61,695/-.

Now, If you are unsatisfied with the returns, you can decide whether to increase the investment period or find another SIP with a higher return.

The formula of SIP calculator for calculating the maturity amount of a SIP investment is:

Maturity = p × ({[1 + k]^n – 1} / k) × (1 + k).

Where:

- Maturity is the amount you receive at the end of the investment period.
- p is the amount you invest at regular intervals (the SIP instalment amount).
- n is the number of payments you have made (the total number of SIP instalments).
- k is the periodic rate of interest (the rate at which your investment grows)

You can use this SIP calculator formula to even do the manual calculation. **For example:**

- p= 1000/- (the amount you invest on regular interval)
- n = 12 months (number of time you invested money)
- Interest rate = 12% (annual)
- k = 12%/12 = 0.01 (periodic interest rate)
- M = p × ({[1 + k]^n – 1} / k) × (1 + k)
- M = 1000× ({[1 + 0.01]^12 – 1} / 0.01) × (1 + 0.01)
- M = 1000 X ({[1.01]^12– 1} / 0.01) × (1.01)
- M = 1000 X ({ 1.126825– 1} / 0.01) × (1.01)
- M = 1000 X (0.126825/ 0.01) × (1.01)
- M= 1000 X 12.6825 × 1.01
- M = 12809

So, the maturity amount will be ₹12,809/- You can reverify the result with the SIP Calculator.

Gopocket offers a SIP calculator with lump sum amount. With it, you can calculate the return on an SIP investment, a one-time investment, or an investment that includes both lump sum and SIP.

Gopocket online SIP calculator offers a separate calculator tool for each calculation.

**SIP Investment Calculator:**This calculator allows you to calculate the return from regular contributions to a mutual fund through the Systematic Investment Plan. For instance, an investment of 1000/- each month. To calculate the estimated return for this investment, you are required to enter the SIP amount, expected return rate, and time period of investment.**Lump Sum SIP Calculator:**The LumpSum calculator helps you estimate the returns froma one-time investment in a mutual fund. For example, you have invested 50,000/- in a mutual fund with a lump sum payment method. To calculate the estimated return for this investment, you must enter the lump sum amount, expected return rate, and investment period.**SIP and Lump Sum Calculator:**This calculator calculates the returns from SIP and lumpsum investments. For example, you have invested 50,000/- through one time, lump sum investment and continued the investment in the same fund with 1000/- per month. To calculate the return from such an investment, you must enter the SIP amount, lump sum amount, expected return rate, and time period of investment.

You must understand that the calculator gives you a rough idea of the expected returns and doesn't guarantee the same maturity amount for your SIP investment. The end amount of your investment in a mutual fund may vary due to external factors like market fluctuation, inflation, etc.

You can conveniently use the SIP amount calculator from GoPocket to estimate the SIP returns. You can follow these steps to learn how SIP is calculated within a few clicks.

- Step 1: Locate SIP calculator with the footer navigation.
- Step 2: Choose one calculator tool from the SIP calculator - the SIP calculator for regular investment, the SIP calculator for one-time investment, or the SIP calculator with lump sum and monthly investment combined.
- Step 3: Enter the monthly investment amount and the expected return rate to get an estimated return for your investment.

As soon as you input the value for each field, the calculator will show you the approximate amount you will receive after completing the investment tenure.

There are several benefits of using SIP calculators. Here are some of the key benefits.

**Easy Calculation**- With the SIP calculator, you can easily calculate the estimated return in less time, which is very time consuming with manual methods.**Return Comparison**- With the SIP calculator, you can calculate the returns of various funds and compare them to pick the best mutual fund for your investment.**Informed Decision-Making**- When you have sufficient data, you can make informed decisions and strategies for your financial investments.

There are various types of SIP mutual fund investments, in which you can invest with SIP or lumpsum according to your risk-bearing appetite or preference. The return rate of an SIP depends on the type of mutual fund you choose. Using the calculator, you can add the expected return rate by checking the fund information.

Different types of SIP investment and their details:

Equity SIP

Invests in equity mutual funds

Long-term investors with high risk bearing appetite

Potential for high returns

12-18%

Market volatility, risk of capital loss

Debt SIP

Invests in debt mutual funds

Investors with moderate risk bearing capacity

Lower risk compared to equity SIP

3-9%

Lower returns compared to equity SIP

Balanced SIP

Invests in a mix of equity and debt mutual funds

Moderate risk tolerance investors

Provides a balance between risk and return

7-13%

Depends on market fluctuations

Tax-saving SIP

Invests in ELSS (Equity Linked Savings Scheme) mutual funds

Investors looking for tax benefits

Offers tax deduction under Section 80C

10-38%

Lock-in period of 3 years for ELSS

Gold SIP

Invests in gold ETFs (Exchange Traded Funds)

Investors looking to diversify their portfolio

Hedges against inflation

9-15%

Price of gold influenced by various factors

Index SIP

Invests in index funds that offer broad market exposure

Passive investors seeking market returns

Low expense ratio, easy to track

10-30%

Returns dependent on index performance

Sectoral SIP

Invests in mutual funds focusing on specific sectors

Investors with the knowledge of macro trends

Potential for high returns in specific sectors

13-19%

Higher risk due to sector-specific factors

1. What is SIP and How Does it Work?

A SIP is a systematic investment plan in mutual funds. In an SIP, investors choose an amount to invest in any mutual fund scheme on a regular interval, such as weekly, monthly, or quarterly. The amount is automatically debited from the user's linked bank account, and units are allocated to the investor.

2. Is the SIP Calculator Accurate?

The SIP calculator provides the estimated value of the investment. The actual return amount can vary depending on market conditions, inflation rates, or other external factors.

3. Which is the Best SIP Calculator App in India?

GoPocket SIP calculator is one of the best calculators. It can calculate lumpsum investment returns, SIP investment returns, and more.

4. How is the SIP Lump Sum Calculated?

With the Gopocket lump sum SIP calculator tool, you can calculate the SIP lump sum value by providing the one-time investment amount, period for investment and estimated return rate.

5. What is the Interest Rate of One Time SIP?

The interest rate on one-time investment varies from fund to fund and depends on the number of years you want to stay invested. Usually, it varies between 12% and 18%.

6. Can I Start an SIP with a Small Amount of Money?

Yes, one of the benefits in SIPs is the ability to invest with small amounts. Most of the mutual funds’ schemes offer SIPs with a minimum amount as ₹500/-.