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SIP Calculator Online – Systematic Investment Plan Calculator

Calculate the future value of your SIP investment

I know my

Goal Amount

Expected Return (P.A)

Time Period


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.

Total Investment Breakup

Lumpsum Investment

Interest Earned

Total Investment

Year Investment
Amount (₹)
Gained (₹)
Amount (₹)

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SIP Calculator

All you need to know about Systematic Investment Plan Calculator (SIP)

Thinking about how to make your money work smarter for you? That’s where SIP investments step in! Whether you’re a financial pro or just starting out, one of the best ways to get into the habit of regular investing is through SIP or Systematic Investment Plan. SIPs offer a hassle-free way to grow your wealth steadily over time.

And guess what?

You can seamlessly calculate your returns with smallcase SIP calculator. This tool takes the guesswork out of your potential returns, letting you peek into the future of your SIP investments.

What is Systematic Investment Plan (SIP)?

SIP stands for Systematic Investment Plan. It is a method of investing in mutual funds where investors regularly invest a fixed amount at regular intervals, typically monthly or quarterly. Yet, SIPs are just one approach to invest in mutual funds; the alternative is a lump sum investment. To calculate the potential return on SIP investments, a SIP calculator online comes to the rescue. 

It is a useful tool that helps investors estimate the future value of their investments made through SIPs. By inputting the relevant parameters in the SIP return calculator online they can gain insights into the future value of their investments, make informed decisions, and plan for their financial goals effectively.

What is the Difference Between SIP and Lumpsum Investments?

This section brings us to the fundamental question: What is the difference between SIP vs Lumpsum Investments? SIP offers a cushion against market volatility while Lumpsum Investments potentially exposes you to the immediate ups and downs of the market. 

Here we have listed the potential differences between SIP vs Lumpsum investment. 

Aspect SIP (Systematic Investment Plan) Lumpsum Investment
Investment Method Regular fixed investments at intervals. Single large investment.
Investment Amount Smaller amounts, easy on the wallet. Larger amount at once.
Market Timing Averages out market volatility over time. Exposed to market conditions.
Risk Management Potential risk is distributed over time. Immediate exposure to market risk.
Rupee Cost Averaging Benefits from price fluctuations over time. Immediate impact of price changes.
Timing Flexibility Offers flexibility with periodic investments. Timing depends on market entry.
Psychological Comfort Reduces impact of market ups and downs. Vulnerable to market fluctuations.
Long-Term Approach Suited for long-term wealth creation. Can be used for various goals.
Investment Discipline Encourages consistent investing behavior. Requires strong investment choice.

What is a SIP Calculator Online?

A SIP Calculator is a financial tool that helps investors estimate the potential returns on their mutual funds made through SIP investments. This mutual fund SIP calculator is an online calculator provided by mutual fund companies or modern investment products like smallcase.

However, the effective returns from a mutual fund scheme differ due to various factors. The SIP calculator doesn’t include details about exit loads and expense ratios (if any).

To give investors an estimate of the potential returns that they can expect, a SIP compound interest Calculator requires inputs such as: 

  • Monthly investment amount
  • Investment tenure 
  • Expected rate of return
  • Frequency of compounding. 

Based on these inputs, the calculator computes the future value of the investment, taking into account the power of compounding.

How to Calculate SIP Return Via SIP Return Calculator?

The SIP Calculator provides a breakdown of your SIP investment’s future value, presenting two key figures: the estimated return they can get on their investment and the initial principal amount.  Therefore, you can use the SIP return calculator as it offers a clear projection of how their investments will develop over a given period, considering a predefined rate of return and SIP contributions.

However, let’s have a look at the SIP calculator formula. 

M = P × ({[1 + i]^n – 1} / i) × (1 + i)

The variables in this SIP calculator formula represent the following: 

Amount received on fund’s maturity
P Amount invested at regular time periods
i SIP interest rate 
n Number of payments made

Let’s take an example. Suppose you decide to invest ₹10,000 each month starting today for the 1 year. You don’t mind an aggressive strategy so you settle on a 12% interest rate over the next 1 year. 

When you put the following data in the SIP mutual fund sip return calculator, you’ll get the following results within mins. 

Invested amount after 1 year: ₹1,20,000

Expected gain: ₹8,093

Total value: ₹1,28,093

You can also have a look at maturity values for different time periods on yearly SIP calculator online.

Duration Amount  Return Maturity Amount
1 year 10,000 ₹8,093 ₹1,28,093
5 years 10,000 ₹2,24,864 ₹8,24,864
8 years 10,000 ₹6,55,266 ₹16,15,266
10 years 10,000 ₹11,23,391 ₹23,23,391

Types of SIP Calculator

  • Goal-Based SIP Calculator: The SIP goal calculator focuses on helping you plan and achieve specific financial goals. It allows you to input your target amount, investment duration, and expected rate of return. The calculator then calculates the monthly SIP amount required to reach your goal within the desired time frame.

  • Investment Amount-Based SIP Calculator: This type of SIP maturity calculator is useful when you have a fixed investment amount in mind and want to determine the investment duration or potential returns. You input the desired investment amount, monthly SIP amount, and expected rate of return. The calculator then calculates the time required to achieve your investment goal or provides an estimation of the potential returns.

How to Use the smallcase SIP Calculator Online?

By using the smallcase SIP calculator, you can effortlessly calculate your SIP returns with just a few clicks

With smallcase SIP planner, you can get an estimate of your returns under two circumstances: 

Case 1 –  If You Know the SIP Investment Amount

In this scenario, you need to provide 3 key inputs: 

  • Your investment amount 
  • Expected return
  • Time period 

Once you enter these details, you can get an estimate of the potential returns that you will get after the completion of your investment tenure on SIP return calculator. 

Case 2 – If You Know Your SIP Goal Amount 

In this scenario, you will need to provide: 

  • Goal amount 
  • Expected return
  • Time period 

Once you input these details, you can get an estimate of how much amount you need to invest every month to reach your goal through SIP investment planner. 

smallcase SIP Lumpsum Calculator

In the case of one time SIP, you can also follow the similar steps as mentioned above.  However, to calculate returns on your lumpsum investment, all you need to do is click on the lumpsum button placed beside the SIP button. 

Once you click on it, the one time smallcase SIP calculator will open where in you can input your details and get results accordingly.

Advantages of Mutual Fund SIP Calculator

A mutual fund SIP calculator can be a helpful tool for investors in many ways. It allows you to estimate the potential returns on your SIP investments based on various parameters such as investment amount, SIP duration, expected rate of return, and frequency of investments. By using a SIP return calculator, you can set realistic financial goals and align your investment strategy accordingly. 

The calculator helps you plan for specific milestones, such as buying a house, funding your child’s education, or preparing for retirement, by providing insights into the required investment amount and duration to achieve those goals. It also allows you to compare different investment options and evaluate their potential returns. 

Moreover, an index fund SIP calculator online promotes financial discipline by demonstrating the power of regular investing and compounding over the long term. It encourages you to stay committed to your investment plan and make informed decisions based on your financial objectives. 

Frequently Asked Questions

How much can I invest in a SIP?

The investment amount in a SIP can vary based on your financial capacity and the minimum investment requirement specified by the mutual fund scheme. It can range from as low as 500 to higher amounts based on your investment goals and the chosen mutual fund.

What is the maximum and minimum tenure in SIP?

The minimum tenure for SIP in mutual funds is 6 months and there is no maximum tenure. Mutual fund SIPs can be continued for as long as you want, or you can discontinue them at any time.

Are SIPs similar to mutual funds?

SIPs are a type of investment method within mutual funds. They are not the same as mutual funds themselves.

Can I modify my SIP amount?

Yes, you can modify your SIP amount by contacting your mutual fund provider.

What is the minimum amount needed for SIP investment?

The minimum amount for SIP investment may vary depending on the mutual fund scheme. However, most schemes have a minimum investment of ₹500 per month.

Can I convert my SIP to lumpsum investment?

There is no hard and fast rule that you cannot convert your SIP into lumpsum investment if you have surplus funds. However, it is always advisable to practice SIP to avoid any risks.

Can I make a SIP investment every month?

Yes, you can invest even a small amount like ₹500 per month. This helps to average out the cost of your investment and reduce the risk. Additionally, you can calculate your returns through SIP calculator

When should I prefer SIP investment?

You should prefer SIP investment when you want to invest for the long term and want to minimize the risk of market volatility. If you want to know your returns on SIP investments, you can easily calculate through SIP calculator.

Can I pause my investments in SIP?

Yes, most mutual fund companies provide the option to pause or temporarily stop your SIP investments for a specified period of time.

Can I have multiple SIPs at one time?

Yes, you are allowed to have multiple SIPs concurrently, which enables you to diversify your investments across various mutual fund schemes and asset classes in line with your investment objectives.

Do I need a Demat account for making the SIP in mutual funds?

No, you do not need a Demat account to make a SIP in mutual funds. SIP is a method of investing a fixed amount of money in a mutual fund scheme regularly, typically every month. A Demat account is required to buy and sell shares and other securities.

What is the difference between lump sum and SIP?

The main difference between SIP & lump sum frequency of investment. In a lump sum investment, you invest a fixed amount of money at one time. In a SIP, you can invest a fixed amount in regular intervals, such as monthly or quarterly.

How to redeem SIP Mutual Fund online?

You can redeem SIP mutual funds online through the mutual fund company’s website or app.

Can I renew a SIP?

Yes, you can renew a SIP by continuing with the same scheme or opting for a different one.

Does SIP allow only equity mutual funds investments?

SIPs allow investments in various types of mutual funds, including equity, debt, and hybrid funds

What is mutual fund SIP investment?

A Mutual Fund Systematic Investment Plan (SIP) is a popular investment strategy that allows individuals to invest in mutual funds in a systematic and disciplined manner.

Are SIP calculators accurate?

These mutual fund SIP calculators are generally accurate but the accuracy depends on the inputs provided as it is susceptible to market volatility.

Is SIP better or Lumpsum?

SIP is a relatively disciplined approach that is more beneficial than lumpsum investment in the long run because it helps to average out the cost of investment and reduces the risk.

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