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SBI SIP Calculator

Plan your financial goals smarter with our SBI SIP calculator.

Monthly Investment

₹ 100
₹ 1,00,00,000

Expected Return Rate (p.a)


Time Period

1 yr
40 yr

Investment Amount


Estimated Returns


Maturity Value


Compound your wealth with SIP in Mutual Funds

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

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What Is SBI SIP Calculator?

The State Bank of India (SBI) SIP calculator is an online tool that enables investors to calculate the future value of their investments in SBI Mutual Funds with a Systematic Investment Plan (SIP). A SIP is where you invest a fixed amount at regular intervals.

The calculator uses variables such as the SIP amount, expected rate of return and a number of installments while computing the future value of the investment.

This tool simplifies complex calculations thereby helping you plan your investments better and understand potential returns.

What is the Use of SBI SIP Calculator?

The SBI SIP calculator online is a handy tool for you as an investor. Here’s what this calculator can do for you:

1. Estimate SIP Investments and Returns

The SIP calculator by SBI helps estimate your SIP returns. You input your investment amount, tenure, and expected annual returns.

The calculator then projects the potential outcome of your investment. This gives you an idea of the returns you might earn from your SIP investment. However, actual returns may vary due to market risks.

2. Simplify Calculations

It simplifies complex SIP calculations. Rather than manually calculating your returns, which can be time-consuming and prone to errors, you can use the calculator.

You just input your details, and it provides accurate results instantly. This tool saves time and ensures precision in your SIP investment calculations.

3. Financial Planning

The calculator is useful for financial planning because it helps in setting realistic goals and strategizing on how to achieve them depending on the projected returns.

By giving a rough estimate of SIP earnings, it enables you to make proper financial plans ahead of time. This is a great way to ensure effective and informed financial planning.

4. Evaluate Different Tenures

With the SIP calculator from SBI, you can check multiple investment durations. If you adjust the tenure in this calculator, you will be able to see how the estimated corpus changes.

This feature lets you know that longer or shorter periods of commitment may affect your gains and therefore helps in identifying a suitable tenure as per your financial objectives and risk appetite.

5. Convenience

It also offers convenience by providing instant results. Instead of waiting for manual calculations, you get immediate estimates of your potential returns.

This instant access to information makes it easier for you to make quick decisions about your investments. It’s a user-friendly tool that simplifies the process of SIP investment planning.

How can SBI SIP Calculator Help You?

The SBI’s SIP calculator helps you estimate the returns from a Systematic Investment Plan (SIP) investment in SBI mutual funds. It can help you plan to invest a fixed amount each month to achieve your desired savings.

Guide on Using SBI SIP Calculator

Here’s a step-by-step guide on how to use the SBI SIP calculator:

  • Visit the Dhan website and open the SIP calculator page oqf SBI.
  • Choose between SIP or lump sum. If you’re planning to invest a fixed amount every month, choose SIP.
  • Enter the investment amount you want to invest monthly.
  • Specify the tenure. This is the duration for which you wish to invest.
  • Enter the expected rate of return (per annum). This is your estimated annual return rate.

Once done, the calculator computes your investment’s future value and total returns, offering valuable insights into its growth potential for informed financial decisions.

How to Use SBI Lumpsum Calculator?

Here’s how you can use the SBI Lumpsum calculator:

  • Select Your Investment Method: Opt for ‘Lumpsum’ as your preferred mode of investment.
  • Specify Your Investment Sum: Input the total amount you intend to invest.
  • Provide Expected Annual Returns: Enter the anticipated annual return rate.
  • Set Your Investment Duration: Indicate the duration for which you plan to invest.

This tool is designed to assist investors in estimating the potential returns from their lumpsum investments. However, actual returns can fluctuate based on market performance. It’s crucial to consider your financial objectives and risk appetite before investing.

How are Returns in SBI SIP Calculated?

The returns on your SIP investment in SBI are computed using XIRR. The XIRR (Extended Internal Rate of Return) is a measure of return used in capital budgeting to determine the profitability of investments. It is used when there are irregular cash flows - that is when not all cash flows occur at regular intervals.

The formula used in the calculation of XIRR is:



  • values is the array of values that represent the series of cash flows.
  • dates are a series of dates that correspond to the given values.
  • guess is an initial guess of what the IRR will be. If omitted, Excel takes the default value of 10%

This calculation can be quite complex and time-consuming. But if you want to experiment with different values for the variables, it could take even longer. The SBI SIP return calculator simplifies this task, providing you with efficient and quick results.

About SBI Mutual Fund

SBI Mutual Fund, managed by SBI Funds Management Pvt Ltd (SBIFMPL), is a joint venture between SBI and AMUNDI Asset Management. It offers around 147 schemes, including 29 equity schemes, 82 debt schemes, 26 hybrid schemes, and 10 ETFs, Gold & Fund of funds schemes. Some of its well-known schemes include:

Being a part of the 7th largest bank in the world, it provides international quality investment options and services to investors across India.

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