SIP Calculator - Systematic Investment Plan Calculator | DBS

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SIP Calculator

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SIP Calculator
%
Yr

Invested Amount

₹ 3,00,000

Est. Returns

₹ 2,808,477

Total Value

₹ 5,808,477

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SIP Calculator – Systematic Investment Plan Calculator

Planning your investments involves extensive research and eventually a decision to choose the right product for you. Mutual funds attract more investors because the estimated returns help create wealth and the living of a lavish life with little compromise. It could very well be a mutual fund scheme which pays for your vacation home with the returns you have earned in 5 years.

Investing in mutual funds has two approaches- you can pay a lump sum amount at one-go, or invest periodically. With a Systematic Investment Plan (SIP), you can choose a fixed amount at pre-defined intervals. These payment intervals are generally on the same date each month. You can choose how much your monthly SIP amount will be; with digibank by DBS, you can start with as low as Rs. 500. There is no maximum limit to how much you can invest in mutual funds through SIPs.

We all know that zeroing in on the right mutual funds is part of your investment strategy. The next step is to calculate the estimated returns. Even if you have taken the SIP route, an online SIP return calculator helps figure out future profits. Be it a Fortune 500 company’s CEO who invests Rs. 1,00,000 monthly or a college professor who invests 20% of their quarterly paycheque towards an SIP, an SIP Calculator helps every investor know their estimated returns.

Whatever your investment goal is — be it ensuring a financial safety net for old age, planning your future dream holiday with the returns, or any other goal — a Systematic Investment Plan calculator will be of enormous help.

Choose from over 200 mutual fund schemes and start your SIP seamlessly with digibank by DBS.

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What is an SIP Calculator?

Simply put, an SIP Calculator gives you an idea on what returns you can expect on your mutual fund investments. The maturity amount is based on your SIP, the expected annual rate of return, and SIP tenure.

However, it doesn’t consider any fee you need to pay to maintain your investment or exit a mutual fund before maturity. Also, remember that an SIP Calculator gives you ‘estimated’ returns. It cannot predict or take into account any external factors such as market volatilities or regulatory changes.

What is an SIP Calculator?

So, let’s get to the crux of the matter, shall we? Here is the formula to calculate SIP: M = P × ({[1 + i]n – 1} / i) × (1 + i),

In the formula, ‘M’ is the amount you receive upon maturity; P’ is the amount you invest periodically; ‘n’ is the number of payments you have made so far; ‘I’ is the expected periodic rate of interest.

 

How to use the
SIP Calculator?

All it takes is a few keystrokes to know how much you will gain from your SIP. Head to our online SIP calculator and then:

  • Enter the periodic investment amount
  • Enter the expected rate of returns
  • Tenure of the SIP in years

You will be able to view your invested amount, the estimated returns, and the total value of your investment.

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How can a
SIP return calculator help you?

Dive Deep into How SIP Calculator work!

An SIP Calculator is more than just a tool to know the estimated returns on your mutual fund investments.

 

Financial Planning

An SIP Calculator helps you to avoid false starts. You don’t want to start investing in a SIP only to realise after 10 years that your monthly investments weren’t enough to reach your financial goal. An SIP Calculator helps the investor determine the combination of the amount they need to invest periodically, estimated rate of returns, and tenure that will fetch them the maturity amount they envision.

 

Ease of use

Who even knows where they keep the physical calculator anymore? You can use an SIP Calculator without needing to remember the formula or carry any stationery and paraphernalia. With only a few clicks or taps, you can know the SIP plan that works best for your pocket and goals.

 

The digibank by DBS app is easy to use, download it now and start investing!

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SIP Calculator FAQs

You can invest a minimum of Rs. 500 per month as part of your SIP investment. There is no upper limit.
The minimum tenure for an SIP is 12 months. You can continue your SIP till perpetuity which means till the time the mutual fund closes.
SIP is a way of investing in a mutual fund. You can have a mutual fund investment and still not have an SIP.
Yes, you can modify your SIP at any point by visiting your bank, through net banking, or the digibank app. Please note that this will affect the estimated returns on your mutual fund investment.
A lumpsum calculator is also used to know the estimated returns for an investment in a mutual fund scheme. However, the main difference between the two calculators is that the SIP Calculator considers recurring investments. At the same time, a lumpsum calculator only needs a one-time investment amount.
No, there is no charge or penalty for terminating an SIP. However, an exit load needs to be paid if you end the SIP before 12 months.