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SIP Calculator

Calculate and understand your mutual fund SIP investment returns over a period of time with our online SIP calculator in minutes!


Monthly Investment

₹ 100
₹ 1,00,00,000

Expected Return Rate (p.a)

1%
30%

Time Period

1 yr
40 yr

Investment Amount

₹ 12,00,000

Estimated Returns

₹ 11,23,391

Maturity Value

₹ 23,23,391

Compound your wealth with SIP in Mutual Funds

*Investing in the securities market carries risk. Please do your own due diligence before investing.

Start SIP in Mutual Funds

What is a SIP Calculator?

SIP (Systematic Investment Plan) is a type of investment plan used to invest in Mutual Fund, Stocks and ETFs. Using SIP one can invest small amounts weekly, monthly and quarterly into selected stocks. As the amount is invested on regular intervals, the impact of market volatility is comparatively lesser. Simply put, SIP calculator provides you a rough estimate and roadmap to achieve your various financial goals based on a projected annual return rate. A SIP return calculator can be highly effective in computing complex financial calculations in no time. Based on your inputs the SIP planner arrives at the result in a matter of seconds. However, SIP in Stocks and SIP in Mutual Fund are totally a different concepts. Here is how SIP in Stocks is different from SIP in MF.



How does an online SIP Calculator work?

SIP calculator provides a potential return using the compound interest formula. Simply put, compound interest is the addition of interest to the principal sum of payment (in this case investment), or in other words, interest earned on interest.

To calculate your SIP returns you need to enter -

  • Monthly Investment (Amount you wish to invest every month)
  • Expected Return Rate (Rate of return you expect on the investment)
  • Time Period (Time for which you want to stay invested)

Once you input these values, the online SIP calculator will display the total corpus you could earn in the specified period.
Here is how a SIP calculator formula exactly works -

M = P x ( {[1 + i] n - 1 } / i) x (1 + i) where,

M is the total amount you will receive upon maturity,
P is the money you invest periodically/ at regular intervals,
n is the total number of payments made by you
i is the periodic rate of interest.

Let us calculate SIP returns with the help of an example:

Imagine you plan to invest Rs.10,000 per month for 7 years and the expected rate of return is 12%.
So, the monthly rate of return will be 12% / 12 = 0.01

Hence, M = 10,000 ({[1 + 0.01] 84 - 1 } / 0.01) x (1 + 0.01)

In this scenario, you would earn a total corpus of Rs.13.19 Lakhs.
Now, if you wish to increase the investment amount to Rs.12,000, you would earn Rs.15.83 Lakhs. You can adjust the values to find out what works best based on your financial goals.


How can a SIP Calculator help you?

Research and calculation is very important before making an investment decision. Also, you must estimate the potential returns before investing to understand whether it is a profitable investment opportunity or not. SIP return calculator is one such tool that helps you make a calculative investment decision.

The following are the benefits of the stock SIP calculator -

  • Tells you estimate potential returns.
  • Tells you monthly SIP amount required to reach the goal.
  • Allows you to adjust the time period and rate of return.
  • Helps you take calculative and informed decisions.
  • Shows various growth scenarios.


SIP in Stocks and ETFs with Dhan

A stock SIP is simply a method of investing in stocks or ETFs periodically. With Dhan, placing a stock SIP order is simple and seamless.

How does Dhan Stock SIP work?

  • You can invest daily, weekly or monthly in your favourite stock
  • You can trigger your order automatically on trading days
  • You can update or trigger SIP whenever you want

The following are benefits of Stock SIP:

  • Periodic investing reduces risk volatility.
  • Disciplined investing improves financial management.
  • Long-term investing helps accumulate sizeable corpus.
  • Rupee cost averaging protects your money from market instability.

If you are still confused about investing in stock market through systematic investment plans, here are 5 benefits of SIP investment and how SIPs can make you ultra rich.




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*All securities mentioned on this website are exemplary and not recommendatory.

We are bullish on India, we are bullish on India's prospects to be one of the largest economies in the world. We believe that the stock market provides a unique opportunity for all of India's traders and investors to participate in the growth story of the country.

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©2021-2024 Moneylicious Securities Private Limited. All rights reserved. CIN - U74999WB2012PTC184187 Moneylicious Securities is part of Raise Financial Services.

SEBI Stock Broker Registration No: INZ000006031 | Depository Participant (CDSL) ID: IN-DP-289-2016
Exchange Membership No. : NSE: 90133 | BSE: 6593 | MCX: 56320
Registered Office: Office No. 14D, 4th Floor, Shri Krishna Chambers, 78, Bentick Street, Kolkata - 700001, West Bengal, India.
Corporate Office: A-302, The Western Edge I, Off Western Express Highway, Borivali East, Mumbai - 400066, Maharashtra, India. Land Line: 022-43116666.

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For any query / feedback / clarifications, email at help@dhan.co.

In case of grievances for any of the services rendered by Moneylicious Securities Private Limited, please write to grievance@dhan.co (for NSE, BSE and MCX) or grievancedp@dhan.co (for Depository Participant). Please ensure that you carefully read the Risk Disclosure Document as prescribed by SEBI, our Terms of Use and Privacy Policy. Compliance Officer: Mr. Manish Garg and Mobile: 8655740961 Email: complianceofficer@dhan.co To lodge your complaints using SEBI SCORES, click here.


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Disclaimer: Investment in the securities market are subject to market risks, read all the related documents carefully before investing. Brokerage will not exceed the SEBI prescribed limit


Attention investors:

  1. Stock brokers can accept securities as margins from clients only by way of pledge in the depository system w.e.f September 01, 2020.
  2. Update your e-mail and phone number with your stock broker / depository participant and receive OTP directly from depository on your e-mail and/or mobile number to create pledge.
  3. Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

Note: As a policy we do not give stock tips or recommendations and have not authorized anyone to give this on behalf of us. If you know anyone claiming to be a part of Dhan / Moneylicious / Raise or our associate companies or partners and offering such services, please report us on help@dhan.co. Important Information for Investors: To prevent unauthorized transactions in your trading / demat account, do not share your account details, credentials or any personal details with anyone. Keep your mobile number updated with your Stock Broker, Depository Participant and ensure that the same is registered with Stock Exchanges, Depository and KRAs. You will receive alerts and information on your registered mobile number / email for debit and other important transactions in your demat account directly from CDSL / Exchange on the same day. KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (Stock Broker, DP, Mutual Fund, etc.), you need not undergo the same process again when you approach another intermediary. No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account. This is issued in the interest of investors.


Moneylicious Securities Private Limited also known as Dhan is only an order collection platform that collects orders on behalf of clients and places them on BSE StarMF for execution. Client expressly agrees that Dhan is not liable or responsible and does not represent or warrant any damages regarding non- execution of orders or any incorrect execution of orders with regard to the funds chosen by the client or due to, but not being limited to, any link/system failure, delay in transfer of the funds on account of any unforeseen circumstances/issues in the banking system/payment aggregators or any other problems that may result in a delay in crediting the funds into the BSE Star MF's bank account.


Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing. Dhan is not a distributor or agent of any mutual fund. Mutual Funds are not exchange-traded products. Any related disputes will not have access to the Exchange-investor redressal forum or arbitration mechanism. For other disclaimers please refer https://dhan.co/advertisement-disclaimer/


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