SIP Calculator
A SIP calculator is an online tool that helps individuals estimate the returns on their mutual fund investments made via SIP. Simply enter the monthly investment amount, expected rate of return and investment duration and get instant results!
Based on your inputs, if you invest ₹25,000 monthly for 12 years with an estimated return of 12%, your total earnings will be ₹0
*Based on an assumed rate of return(s) of 12%, the above Investment simulation is for illustration purpose only. It should not be construed as a promise on minimum returns and safeguard of capital. KMAMC is not guaranteeing or promising, or forecasting any returns. SIP does not assure a profit or guarantee protection against loss in a declining market. SIP Calculator is designed to assist you in determining the appropriate amount. SIP calculator alone is not sufficient and shouldn't be used to develop or implement an investment strategy. KMAMC makes no warranty about the accuracy of the calculators/reckoners. The examples do not purport to represent the performance of any security or Investments. In view of the Individual nature of tax consequences, each investor is advised to consult his or her, professional tax advisor.
SIP Calculator – Systematic Investment Plan Calculator
If you are interested in mutual funds, an online SIP Calculator can be your guide in determining how much to invest to achieve a desired corpus.
This tool allows you to assess the potential returns of a Systematic Investment Plan (SIP) in mutual funds and helps you make well-informed, investment decisions.
What is an SIP Calculator?
What is an SIP Calculator?
A Systematic Investment Calculator is an online tool that helps you estimate the potential returns on your mutual fund investments. By simply entering your investment amount, expected rate of return, and the duration of your investment, the SIP Calculator gives you an estimate of the future value of your investment within seconds.
It saves time and effort while reducing the chances of manual calculation errors. Although actual returns may vary, the SIP Calculator serves as a reliable guide for mutual fund investors.
How can a SIP Return Calculator help you?
The SIP plan Calculator is a valuable tool that shows potential future returns and enables informed decision-making regarding your financial strategies.
Apart from this, here are some other benefits of a SIP Calculator that you need to know:
- Help you set realistic goals for your investments
- Allow comparisons of different investment scenarios
- Track your progress toward achieving your financial goals
How does the SIP Calculator work?
The SIP Calculator is created to help investors calculate how much wealth they may generate after the particular tenure of SIP.
The SIP Calculator uses a mathematical formula to provide instant results:
FV = P × ({[1 + i]n – 1} / i) × (1 + i)
| FV | Future value. |
| P | SIP amount |
| i | Expected rate of return per frequency period. |
| n | Number of instalments. |
For example, if you invest ₹10,000 per month for 12 months at an assumed annual interest rate of 12%, the monthly rate would be 1% or 0.01.
Hence, FV = 10,000 * ({[1 +0.01 ]^{12} – 1} / 0.01) * (1 + 0.01)
Using the formula, the SIP returns after a year would be approximately ₹1,27,665.
How to use Kotak MF’s Systematic Investment Plan Calculator?
To use Kotak MF's Systematic Investment Plan (SIP) Calculator, just follow these simple steps:
Step 1: Enter your monthly SIP amount.
Step 2: Specify your investment duration.
Step 3: Input the rate of return.
The SIP investment plan calculator will then instantly display the estimated returns on your mutual fund investment, along with a detailed summary of your total investment.
Advantages of Mutual Fund SIP Calculator
Advantages of Mutual Fund SIP Calculator
The Kotak Mutual Fund SIP Calculator offers several benefits, some of which are mentioned below:
It is a free and user-friendly tool that offers unlimited access.
It automates complex mathematical calculations instantly.
Using this tool, you can get a clear view of your potential returns.
With the help of a SIP calculator, you can easily calculate SIP amount to meet your financial goals.
Most used Calculators
Frequently Asked questions
No, a SIP calculator cannot guarantee accurate future returns. Instead, it provides an estimated amount for your monthly SIP based on an expected annual return rate. The actual returns from a mutual fund investment can fluctuate due to various factors.
Many investors overlook their risk appetite when using an SIP calculator. Failing to adjust the expected rate of return can lead to unrealistic expectations. Always consider your financial goals and risk tolerance to make informed decisions.
A SIP calculator provides results assuming consistent and timely investments over the chosen tenure. If contributions are irregular or missed, the results may not reflect actual outcomes. Additionally, these tools cannot account for factors like inflation and taxes.
The expected rate of return is a key input in a SIP investment return calculator. This rate applied to your contributions determines how much you ultimately receive at the end of the tenure.
While a SIP calculator does not directly factor in inflation, it can still help you grasp its impact on your investments. By manually calculating the expected nominal return, considering your target real return and current inflation, you can input this adjusted rate into the calculator.
A SIP calculator helps you plan and schedule your investments by estimating the returns from your SIP in mutual funds. For this, all you need to do is enter the amount you wish to invest monthly, the expected rate of return and the investment duration.
Disclaimers: Investors may consult their Financial Advisors and/or Tax advisors before making any investment decision.
These materials are not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation. The distribution of this document in certain jurisdictions may be restricted or totally prohibited and accordingly, persons who come into possession of this document are required to inform themselves about, and to observe, any such restrictions.
SIP calculator alone is not sufficient and shouldn't be used to develop or implement an investment strategy. Kotak Mahindra Asset Management Company Limited (“KMAMC”) is not guaranteeing or promising, or forecasting any returns. SIP does not assure a profit or guarantee protection against loss in a declining/upward market. SIP Calculator is designed to assist you in determining the appropriate amount. Visit https://www.kotakmf.com/mutual-fund-calculators/retirement-calculator to get for detailed information/disclaimers.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.