Systematic Investment Plan

What is a SIP Calculator?

SIP Calculator, short for Systematic Investment Plan Calculator, aids prospective investors in discerning the distinction between SIPs and mutual funds. While some may confuse the two, SIPs represent a method of investing in mutual funds, alongside the lump sum approach. This tool assists in evaluating the potential returns from parking funds into such investment avenues. Systematic Investment Plan (SIP) entails investing a predetermined amount in mutual funds at consistent intervals, typically offering investment options on a weekly, quarterly, or monthly basis.

SIP Calculator
Systematic Investment Plan Calculator
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Benefits of Using a SIP Calculator

Informed Decision Making

By providing an estimate of future investment value, the SIP calculator aids in making informed investment decisions.

Financial Planning

The SIP calculator helps in creating a robust financial plan. It allows investors to set investment goals and understand the investment needed to achieve them.

Ease of Use

The SIP calculator is easy to use, requiring only basic investment details as inputs.

Saves Time

Manual calculation of future investment value can be time-consuming and complex. A SIP calculator simplifies this process, providing results instantly.

Comparison of Different Scenarios

The SIP calculator allows investors to compare different scenarios by changing the input values.

User-Friendly SIP Calculator

Easily estimate your investment needs with our user-friendly SIP Calculator, suitable for anyone, and it's completely free and unlimited.

How Does a SIP Calculator Work?

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SIP Return Calculator Online

A SIP Calculator operates on the principle of compounding. Compounding refers to the process where the returns earned on an investment are reinvested to generate further returns. The formula used by the SIP calculator to compute the future value of SIP investments is:
A = P [(1 + r/n) ^ nt - 1] / (1 - (1 + r/n) ^ (-1/3)) Here,
A is the future value of the SIP investment.
P is the monthly SIP investment amount.
r is the expected annual return rate (in decimal form).
n is the number of compounding periods per year.
t is the investment duration in years.

Tips for SIP Investments

Understanding SIP Returns

When it comes to understanding the returns from your SIP investments, a SIP return calculator can be a great tool. It not only gives you the future value of your investment but also provides valuable insights into the potential earnings and overall growth of your investment. This can help you in assessing the effectiveness of your SIP investment in achieving your financial goals.

Lumpsum Calculator
How to Use a SIP Calculator Online

Investment

Enter the monthly SIP investment amount

Returns

Specify the expected annual return rate

Time Period

Provide the investment duration in years

SIP INVESTMENT

Best Online SIP Calculator in India

SIP Calculator

Understanding SIP Investments

Maximising returns from SIP investments requires a strategic approach. Here are some effective tips to help investors get the best out of their SIP investments.

Start Early and Invest Regularly :
The power of compounding plays a significant role in enhancing the returns from SIP investments. Starting early gives your investment more time to grow. You can accumulate a substantial corpus by investing a fixed amount regularly over a long period.
Increase Investment Amount Periodically:
Increasing the investment amount periodically can significantly boost the returns from SIP. Investors can opt for a top-up facility to increase the SIP amount regularly.
Set Long-Term Financial Goals:
SIP is best suited for long-term financial goals. Whether buying a house or planning for retirement, SIP can help you accumulate the required corpus over time.
Avoid Premature Withdrawal:
Withdrawing the investment prematurely, especially during market downturns, may lead to losses. It's recommended to stay invested long-term to earn better returns.
Review Fund Performance:
Reviewing the fund's performance and making necessary adjustments periodically is essential. If a fund is consistently underperforming, switch to a better-performing fund.
Setting Up and Managing SIPs Effectively:
Setting up and managing SIPs effectively is crucial for maximising returns. Here's a step-by-step guide on how to do it.
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How to Invest in SIP?

Goal

Determine your financial goals & risk appetite

Expert Guide

Consult a financial expert to determine the best mutual fund investments that help balance your risk & reward

Scheme

Choose a SIP scheme to suit your investment amount & tenure.

Vertification Process

Complete the necessary documentation and KYC requirements.

Investment

Set up a bank mandate for automatic deduction of SIP investments.

Investment Tracking

Monitor and review your SIP investments periodically

Frequently Asked Quetions

AssetPlus offers a simplified SIP calculator to help you estimate and map your investment to your financial goals.

What is the purpose of a SIP calculator?

A SIP calculator helps investors plan their SIP investments effectively. It provides an estimate of the future value of the investment, helping in informed decision-making and financial planning.

How accurate are the results from a SIP calculator?

The results provided by a SIP calculator are based on the inputs provided by the user and are typically quite accurate. However, they are estimates and the actual returns can vary based on market performance.

Can I use a SIP calculator for different types of mutual funds?

Yes, a SIP calculator can be used for different types of mutual funds, provided the expected annual return rate is known.

What is the Investment Limit for SIP?

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

What is the Longest Duration for a SIP?

There is no maximum tenure for a SIP. You can continue investing for as long as you prefer. The minimum tenure available is 3 years

Can I Adjust my SIP Contribution?

Yes, you have the flexibility to adjust your SIP amount at any time. You can use the SIP investment calculator to assess your returns and make changes accordingly, whether increasing or decreasing the SIP amount.

ASSETPLUS

Our online mutual fund distribution platform in India offers the best investment solutions for our partners. Access to a wide range of MFs, SIPs, FDs, NPS, and insurance. Assetplus provides complete technology and BD solutions to MFDs to increase their digital brand and grow their MF business.

"Should I go for SIP or Lumpsum?" is one of the burning questions among investors in the mutual funds industry.