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SIP Calculator
- A Systematic Investment Plan (SIP) allows investors to invest a fixed amount at regular intervals.
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Monthly SIP Invertment
10000
100
10000000
Expected Rate of Return
13
2
13
Investment Period
7
1
30
- Helps investors visualize how small, regular investments can grow over time through compounding and market participation. It reinforces the role of discipline and long-term commitment rather than short-term market timing.
Disclaimer
- This calculator is provided for informational purposes only.
- The results are based on user inputs and should not be considered as investment advice. Users should seek the advice of a qualified financial professional before making any investment decisions.
- The creators of the calculator and its affiliates shall not be held responsible for any financial losses resulting from the use of the calculator.
- Past performance may or may not be sustained in the future and should not be used as a basis for comparison with other investments. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.
- SIP is allowed in select open ended schemes. Refer the SID, SAI and KIM for detailed information.
- The Power of Compounding
- Compounding helps your investment amount to grow faster if you stay invested.
- In 15 years, ₹36 L can grow to ₹53.68 L; stay invested for ~20 years and it may reach ₹72 L (2x) then ₹1.08 Cr (3x), eventually 5x–10x with compounding.
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Most Bought Fund
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- Indian Equity
- Large and Mid Cap
- Returns 15.28 %
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- SIP of ₹20000 since inception (11 years) has compounded the invested value to ₹1.29 Cr
- Start SIP
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SIP Calculator – Systematic Investment Plan Calculator
- With a little consistency and the right tools, planning for the future becomes a manageable, even rewarding, journey. That’s where a SIP (Systematic Investment Plan) comes in—a disciplined way to invest regularly in mutual funds. But how do you know how much to invest,
what your potential returns might be or how long it will take to reach your goals? - This is where the SIP calculator steps in. It takes the guesswork out of investing. It helps you get clarity, shows you projections, and helps you stay on course financially. Whether you want to save for your child’s education, your retirement, or that dream home, a SIP calculator makes it easy to map your financial path with confidence.
What is SIP Calculator
- A SIP calculator, or Systematic Investment Plan calculator, is a digital tool designed to help you estimate the future value of your SIP investments in mutual funds. Instead calculating your returns manually, the SIP calculator does the work for you. It takes into consideration factors like your monthly investment amount, the expected annual return rate, and the investment duration to project the maturity value.
- An SIP involves investing a fixed amount at regular intervals. This calculator caters specifically to that pattern, showing how your disciplined contributions can accumulate and compound over time.
- Whether you are a first-time investor or someone with a diversified portfolio, the mutual fund SIP calculator provides an easy starting point for planning your financial future.
How Can a SIP Return Calculator Help You?
- A SIP return calculator is not just a calculation tool. It is a decision-making assistant. It gives you a clear picture of what your investments might look like in the future. This allows you to align your investments with your financial goals.
- For example, if you're saving for a major life milestone like a wedding or higher education, the calculator shows whether your current SIP amount is enough—or if you need to step it up. It also brings transparency to your investment journey. As you see your small contributions grow over time, which motivates you to stay consistent.
- The calculator also allows you to tweak inputs like change the tenure, adjust the investment amount, or modify the return rate. This helps to visualize different outcomes. It turns financial planning into a more interactive, insightful experience.
How a SIP Calculator Works (With an Example)
- The SIP calculator uses the principle of compound interest but tailored to the monthly nature of systematic investments. The formula used is:
M = P × [(1 + r)^n – 1] × (1 + r) / r - Where:
M = Maturity amount
P = Monthly SIP amount
r = Rate of return per month (annual rate / 12 / 100)
n = Total number of months (investment duration × 12) - E.g.: Imagine you plan to invest ₹5,000 every month for 10 years in a mutual fund through
SIP. You expect an average annual return of 12%.
Monthly investment (P): ₹5,000
Investment duration: 10 years = 120 months
Expected annual return: 12%
Monthly return rate (r): 12 / 12 / 100 = 0.01 - Now plug the numbers into the formula:
M = 5000 × [(1 + 0.01)^120 – 1] × (1 + 0.01) / 0.01
M = ₹11,61,695 (approx.) - So, by investing ₹6,00,000 over 10 years (₹5,000 x 120), your investments could grow to over ₹11.6 lakhs, assuming a 12% annual return.
This is the power of consistent investing and compounding.
The SIP calculator provides this estimate instantly, helping you set clear expectations and build strategies accordingly.
How to Use Motilal Oswal Mutual Fund SIP Calculator?
Following are the steps to use the Motilal Oswal Calculator:
Visit the SIP Calculator
Open the official Motilal Oswal Mutual Fund website and go to the SIP calculator online under the Tools or Calculators section.
- Enter Your Monthly Investment Enter the amount you plan to invest each month. This can be as low as ₹500, depending on the scheme.
- Select the Investment Period Choose the number of years you intend to invest. You can adjust this based on your goals—be it 5, 10, or even 20 years.
- Set the Expected Return Rate Enter the annual rate of return you expect. While past performance is not guaranteed, a 10–12% return is a standard estimate for equity-based mutual funds.
- Review the Results The SIP investment calculator will display your total investment, estimated returns, and the maturity value. It also breaks down the amount you’ve invested versus the wealth created from returns.
- Adjust and Plan Feel free to modify the inputs to test various scenarios—what happens if you increase your SIP by 10% annually? Or what if you extend the investment period?
- This calculator is a great starting point for both new and seasoned investors, helping them visualise outcomes before they commit. It is especially useful for goal-based planning be it buying a house, saving for retirement or building an emergency fund.
Benefits of Using Systematic Investment Plan Calculator
Using a systematic investment plan calculator comes with several advantages:
Open the official Motilal Oswal Mutual Fund website and go to the SIP calculator online under the Tools or Calculators section.
- Goal-Oriented Planning:You can use a calculator to map your goal specific SIPs. This could be a vacation, car, wedding or retirement. The calculator tells you exactly how much to invest to reach those goals.
- Easy to Use:You don’t need to use any spreadsheets or do any manual calculations. With just a few inputs, the calculator gives you quick, accurate results.
- Time and Money Saver:You can try out different permutations and combinations online before finalising your numbers. This helps to save both time and potential losses.
- Helps You Stay Disciplined:It is encouraging to watch your money grow over time. It is a big motivation to keep investing consistently. Having this faith in your investments is especially required during volatile market conditions.
- Encourages Better Decision Making:You can make informed decisions about your SIP by using the calculator to check out different outcomes.
Use An SIP Calculator To Secure Your Savings
- An SIP calculator online makes your financial journey smoother and more informed. The ease of use, combined with the depth of information it provides, makes it a must-have for anyone serious about long-term wealth creation.
- The key to investment lies in consistency, clarity, and making informed decisions and a good SIP investment calculator is a great place to start.
- Whether you are planning for something big or just building a habit of saving, let the SIP calculator guide your way.
For the future you are building,
and the legacy you envisioned
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Frequently Asked Questions
What is a SIP? How does it work?
An SIP or Systematic Investment Plan, gives you the option to invest a fixed amount regularly in mutual funds, promoting disciplined investing and wealth accumulation through the power of compounding over time.
What is the minimum amount to invest in SIP?
The minimum SIP amount for investing usually starts at ₹500 per month, depending on the mutual fund scheme, making it accessible for beginners to start investing with small, consistent contributions.
What is the benefit of SIP?
SIPs offer disciplined investing, rupee cost averaging during market volatility, and power of compounding, making them an ideal way to build wealth gradually with manageable, regular investments.
How to automatically renew the SIP?
Most SIPs are auto-renewed by default until you cancel them. You can also set up auto-debit mandates through your bank or mutual fund platform for seamless continuation.
Can you increase the duration of SIP?
Yes, you can extend the SIP tenure by modifying your investment instructions through the mutual fund platform or distributor, depending on your evolving financial goals and investment horizon.
What happens if I miss an SIP instalment?
Missing a SIP instalment won’t cancel your plan. The fund house may skip that month's investment, and your bank may charge a penalty for insufficient balance if applicable.
Can I withdraw SIP anytime?
SIPs offer flexibility. You can redeem units anytime, subject to the mutual fund’s exit load or lock-in, if any—like in ELSS, which has a 3-year lock-in.