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- Mutual Funds
- SIP Calculator
SIP Calculator
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SIP Calculator - Systematic Investment Plan Calculator
Adopting a Systematic Investment Plan, also known as an SIP, is one of the best ways to invest in the stock market. In an SIP, you make consistent monthly investments in an asset class of your choice over a period, thereby inculcating financial discipline. That’s not all. Thanks to rupee cost averaging, an SIP protects you from market downsides to a certain extent, and helps you create wealth over the long term.
But then, is it possible to determine the returns your SIP investments are likely to generate? If that’s what you’re wondering, you can use an SIP return calculator to get an estimate of your investment returns.
What is an SIP calculator?
A Systematic Investment Plan calculator is a free online tool that is designed to determine the amount of returns that your SIP investment is likely to generate in the future. By giving you a fair idea of the returns, this online tool helps you plan your investments in advance. With the SIP investment calculator, you can also find out just how much you would have to invest each month to reach your financial goals.
How does an SIP calculator work?
An SIP return calculator requires you to input certain details of your investment such as -
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1
The amount of monthly investment
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The tenure of the SIP
The expected annual rate of return -
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The expected annual rate
of return
The tool then uses a simple mathematical formula to determine the amount of returns that you can expect at the end of the specified tenure.
₹25,000
for 5 Years
₹20,62,159
12% Returns
Let us understand this with an example. Say, you start a SIP of ₹25,000 in a mutual fund generating a compounded annual growth rate (CAGR) of 12% for a period of 5 years. In this case, the future value of your SIP will be ₹20,62,159. Calculate the future value of your SIP using m.Stock’s SIP Calculator now.
That said, here’s something that you need to note. The rate of return in an SIP is completely dependent on the movement of the market. And since the market movement cannot be predicted, the rate of return can vary on either side, which can lead to a difference in the expected return and the actual return that you receive at the end of the tenure.
Benefits of using the m.Stock SIP online calculator
The Systematic Investment Plan calculator from m.Stock offers a host of different benefits to its user. Let’s check out a few of the most important ones
An Estimate of the Return
The SIP calculator from m.Stock gives you a fair idea of the returns your SIP investments are likely to generate.
Ease of Use
It is very easy to use an SIP calculator online. The tool has a simple user interface and you only need to enter the values required. Thereafter, the tool does the rest of the job.
Investment Planning
If you’re unsure of how much to invest in an asset through SIP to achieve your financial goals, the m.Stock SIP return calculator can help you easily determine the tenure and the amount of investment that you need to make.
Error-Free Calculations
Although it is possible to calculate the returns from an SIP investment manually using a mathematical formula, there’s always the possibility of a calculation error or a mistake creeping in. However, with the m.Stock SIP investment calculator, you get accurate results that are error-free.
Quick Results
The tool takes only a few seconds to generate results, thereby helping you save time and effort.
FAQs on SIP Calculator
A Systematic Investment Plan (SIP) is an investment option wherein a pre-determined amount is invested in your preferred mutual fund scheme every month (or as per chosen frequency). SIP is ideal for retail investors as its pocket friendly (SIPs start at ₹100), aids in rupee cost averaging, and eliminates the need or hassle to time the stock market. With m.Stock, you also earn 1% extra returns via direct plans, starting SIP with m.Stock makes better financial sense.
Some of the many types of SIPs include regular SIP, flexible SIP, perpetual SIP, step-up SIP, and trigger SIP.
Generally, mutual funds are the most preferred asset class to invest via an SIP. However, you can use an SIP to invest in individual stocks as well.
With an SIP, there’s no maximum limit to the tenure that you can opt for. You can choose to invest for as long as you need to.
You don’t have to pay any fees or charges for using an SIP return calculator online. In fact, it is completely free for use.
Most Systematic Investment Plans allow you to invest amounts as small as ₹500 each month. There’s no maximum limit to the amount of investment that you can make in an SIP.
You cannot change the tenure of your existing ongoing SIPs. However, you start a new SIP with a perpetual end date. This means that unless you explicitly ask the fund house to stop the SIP, your SIP will run perpetually.
No. A Systematic Investment Plan is simply a style of investment, whereas mutual funds are financial products that you can invest in.
No, all SIP investments are not tax-free. Only SIPs in Equity Linked Savings Scheme (ELSS) can be claimed under section 80C of the Income Tax Act. While there is no maximum limit for investment in ELSS, the maximum tax rebate you can claim is ₹ 1,50,000 in a financial year.
Apart from ELSS funds, gains on all other SIPs are taxed as per asset class. For example, in case of equity-oriented funds, gains from sale of units before 1 year from date of purchase are taxed at 15% (Short Term Capital Gains) and 10% Long Term Capital Gains (LTCG) tax is applicable on gains if units are redeemed after 1 year (on gains exceeding ₹ 1 lakh in a financial year).
Yes, while SIP is suitable for all investors, it is ideal for retail investors who do not have the expertise or capital to time the market. With minimum investment starting from ₹100, SIPs help salaried or individuals with low investible surplus to invest for their financial goals. It also creates investment discipline, savings habit, and helps in rupee-cost averaging.
No, you can start SIP in equity, debt and even money market funds. However, since equity markets are highly volatile and dynamic, investing in equity funds via SIP makes sense since you enjoy higher rupee cost averaging and power of compounding. Due to their limited movement, lumpsum investment is usually preferred in debt and money market funds.
Yes, you can renew your SIPs after the initial tenure ends. The process is similar to starting a new SIP. To start a new SIP on m.Stock:
- Login to https://trade.mstock.com/#
- Click on ‘Start an SIP’
- Search for a scheme. You can choose from Equity, Debt, Hybrid and ELSS
- Click on the scheme name and then click on the SIP button
- Input SIP amount, start date, and set up Autopay
- That’s it! Your SIP will be registered on successful setup of Autopay facility.
Renewing your SIP i.e., starting a new SIP with m.Stock makes sense as you get 1% higher returns with Direct plans.
Technically, yes, you can pause SIPs by submitting an application to the fund house. However, this isn’t recommended as it hampers with your long-term wealth creation.
Yes, you can stop your SIPs any time. All you need to do is submit an application (online or physical) to stop ongoing SIP. However, its always better to reduce your SIP amount instead of interrupting the process of long-term wealth creation.
You cannot modify the SIP amount in all plans. Only some kinds of SIPs, like flexible SIPs and step-up SIPs, allow you to modify or increase your investment amount respectively.
Yes, you can withdraw from your accumulated mutual fund corpus. But you must ensure two things:
- Withdraw only those units that have completed the lock-in period
- Ensure to check for long term and short term taxation
Starting a systematic investment plan with m.Stock is super easy and can be done in less than 5 minutes. Follow the below steps to register SIP with m.Stock:
- Login to https://trade.mstock.com/#
- Click on ‘Start an SIP’
- Search for a scheme. You can choose from Equity , Debt , Hybrid and ELSS
- Click on the scheme name and then click on the SIP button
- Input SIP amount, start date, and set up Autopay
- That’s it! Your SIP will be registered on successful setup of Autopay facility.
You can use m.Stock’s SIP calculator to calculate the future value of your SIPs. This will give you the long-term picture and help you make adjustments to your SIP amount in case of a shortfall. To estimate your SIP corpus, follow the below steps:
- Visit https://www.mstock.com/sip-calculator
- Select investment type as SIP
- Enter monthly investment, expected returns and time period
- The future value of your SIPs will be displayed on the screen.
- You can then start investing in your favourite scheme and earn 1% extra with Direct plans on m.Stock.
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