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Some potential investors might confuse SIPs (Systematic Investment Plans) with mutual funds, but they’re distinct. SIPs offer one way to invest in mutual funds, with the other being a lump sum. A SIP calculator helps you estimate returns when using this investment method.
A Systematic Investment Plan, or SIP, involves investing a fixed amount regularly in mutual funds. Typically, SIPs allow investments on a weekly, quarterly, or monthly basis

What is a SIP Calculator?

A SIP calculator is a straightforward tool that assists individuals in estimating the returns on their mutual fund investments through SIP. Investing in mutual funds via SIP has gained popularity, especially among millennials.

These calculators aim to give potential investors an idea of their mutual fund investments. However, actual returns depend on various factors and may vary between different mutual fund schemes. It’s crucial to note that the SIP calculator doesn’t consider exit loads and expense ratios, if applicable.

This calculator calculates the wealth gain and expected returns for your monthly SIP investment. It provides a rough estimate of the maturity amount based on a projected annual return rate for any of your monthly SIP investments.

How can a SIP return calculator help you?

SIPs are considered a more appealing way to invest funds compared to a lump sum amount, according to advice from various mutual fund experts. They encourage financial discipline and foster a savings habit that can be beneficial in the long run.

An online SIP calculator is a handy tool that provides an estimate of the returns you might earn after the investment period.Some benefits of SIP calculators include:

  • 1.  Helps determine the desired investment amount.
  • 2. Indicates the total invested amount.
  • 3. Provides an estimated value of the returns.

How do SIP calculators work?

A SIP plan calculator operates based on the following formula –

M = P × ({[1 + i]^n – 1} / i) × (1 + i).

In this formula –

  • M is the amount received upon maturity.
  • P is the amount invested at regular intervals.
  • n is the number of payments made.
  • i is the periodic interest rate.

For example, if you invest Rs. 1,000 per month for 12 months at a periodic interest rate of 12%. then the monthly rate of return will be 12%/12 = 1/100=0.01 Hence, M = 1,000X ({[1 +0.01 ]^{12} – 1} / 0.01) x (1 + 0.01) which gives Rs 12,809 Rs approximately in a year. The rate of interest on a SIP may change with market conditions, either increasing or decreasing, affecting the estimated returns.

How to use Taaza Khabre systematic investment plan calculator?

You can make use of the SIP amount calculator on Taaza Khabre with just a few clicks. Just enter the monthly invested amount (the amount for which you have started the SIP), the number of years you intend to stay invested, and the expected rate of return. Once you input these values, the calculator will show you the estimated amount you can anticipate after completing your investment tenure.

Advantages of SIP Calculator

Investments in market-linked instruments like Mutual Funds don’t guarantee returns, making it challenging for investors to project future growth or determine the required investment to achieve financial goals. The Taaza Khabre SIP Investment Calculator addresses these challenges, offering the following key advantages to investors:

Instantly Calculate Investment Future Value:

The Taaza Khabre SIP Calculator provides immediate and accurate results, eliminating the need for manual calculations.

User-Friendly SIP Calculator

Easily estimate your investment needs with our user-friendly SIP Calculator, accessible to everyone, and it's entirely free and unlimited.

Make Informed Investment Choices:

Effectively plan your investments with the SIP Calculator, ensuring you effortlessly reach your financial goals.

Discover Top Investment Opportunities

Unlike others, our calculator not only predicts future values and monthly investments but also recommends funds aligned with your goals.

FAQs

The amount you can invest in a SIP varies and is flexible. It can start from as low as Rs. 500 or even less, depending on the mutual fund scheme and AMC policies.

SIPs typically don’t have a specific maximum tenure. Investors can continue their SIPs for as long as they wish, aligning with their financial goals. Some investors choose to continue SIPs for several years to benefit from the power of compounding.

SIPs (Systematic Investment Plans) are a way of investing in mutual funds. A mutual fund is the overarching investment scheme, while SIP is a method of regularly investing in it.

Yes, investors can usually modify their SIP amount. Most fund houses provide the flexibility to increase, decrease, or even pause the SIP amount based on the investor’s requirements.

No, SIPs are not limited to equity mutual funds. Investors can choose SIPs for a variety of mutual fund categories, including debt funds, hybrid funds, and others, depending on their risk tolerance and financial goals.

There are various types of SIPs available, such as Top-Up SIPs, Flexi SIPs, Trigger SIPs, and Perpetual SIPs. Each type caters to different investor needs and preferences.

There are various types of SIPs available, such as Top-Up SIPs, Flexi SIPs, Trigger SIPs, and Perpetual SIPs. Each type caters to different investor needs and preferences.

SIPs don’t require renewal. Once the chosen tenure is complete, investors can choose to start a new SIP if they wish to continue investing.

Yes, investors can usually pause their SIPs temporarily. This feature provides flexibility to investors facing temporary financial constraints or those who want to reallocate funds.

Extending the SIP duration is generally straightforward. Investors can inform their fund house about their decision to continue the SIP, and the necessary arrangements will be made accordingly.