Products

Don't Wait! File Before July

31st and Avoid Penalties!
Start now and Finish filing in no time.

File Now

HOME CALCULATORS SIP CALCULATOR SIP CALCULATO…

SIP Calculator -
Calculate
Systematic
Investment Plan
Returns Online

SIP Investment Lumpsum

Monthly SIP Amount

₹ 12000

SIP Period

14 YEARS

Expected Return Rate (p.a)

12 %

Principal Interest

Wealth Gained ₹32,21,015.42

Invested Amount ₹20,16,000

Total Wealth ₹52,37,015.42

What is SIP Calculator?

SIP Calculator is a valuable tool that helps investors

estimate the future value of their mutual fund

investments made through a Systematic Investment

Plan (SIP). By inputting the monthly SIP amount,

investment duration, and expected rate of return,

the calculator can determine the projected corpus

amount at maturity. This tool empowers investors to

make informed financial decisions by providing a

clear understanding of the potential growth of their

SIP investments.

Don’t fall behind your taxes!

With ClearTax’s 3-step filing, get your
taxes done early and enjoy peace of
mind.

File Now

Use FIFTY50 for flat 50% Off

How does the SIP Calculator Work?

A SIP Calculator follows the below formula:

SIP Calculation Formula

FV = P [ (1+i)^n-1 ] * (1+i)/i

FV = Future value or the amount you get

at maturity.

P = Amount you invest through SIP

i = Compounded rate of return

n = Investment duration in months

Example of a SIP Calculator

Jane is 30 years old and works as an investor. She is

thinking about how she can invest money for

retirement purposes. So, Jane decides to put money

into a mutual fund product via a Systematic

Investment Plan.

Investment amount: ₹35,000 per month

Investment period: 30 years

Expected interest rate: 8% per annum

Frequency of investments: Monthly

Result:

With the above Formula the SIP Calculator would

give following results:

Future Value of the investment: ₹5,25, 10,331

Total Investment: ₹1,26,00,000 (35,000 * 12 * 30)

Potential Returns: ₹3,99,10,331 (Future Value -

Total Investment)

Don’t fall behind your taxes!

With ClearTax’s 3-step filing, get your
taxes done early and enjoy peace of
mind.

File Now

Use FIFTY50 for flat 50% Off

Yearly Breakdown

The below table shows how power of

compounding can increase your returns
every year with same investment amount.

Yearly Expected
Total
Year Investment Rate of
Investment
Amount Return

2024 Rs.60000 Rs.60000 12%

2025 Rs.60000 Rs.120000 12%

2026 Rs.60000 Rs.180000 12%

2027 Rs.60000 Rs.240000 12%

2028 Rs.60000 Rs.300000 12%

2029 Rs.60000 Rs.360000 12%

2030 Rs.60000 Rs.420000 12%

2031 Rs.60000 Rs.480000 12%

2032 Rs.60000 Rs.540000 12%

2033 Rs.60000 Rs.600000 12%

How to Calculate SIP Returns in

Excel?

Follow the below steps to calculate SIP returns in

Excel:

Enter SIP Dates: In column A, list the dates of

SIP investments.

Enter SIP Amounts: In column B, list the SIP

amounts.

Enter NAVs: In column C, list the Net Asset

Values (NAV) on each SIP date.

Calculate Units: In column D, divide SIP amount

by NAV (=B2/C2).

Calculate Total Value: Multiply total units by the

latest NAV.

Calculate Returns: Use = ((Total Value - Total

Investment) / Total Investment) * 100 for

percentage return.

How to use ClearTax SIP Calculator?

You can easily use ClearTax SIP Calculator by

following below steps:

Enter the Monthly SIP amount

Now Fill out other details, Investment duration

and expected rate of return

Calculator will show you the estimated corpus

with a beak-up of earned interest and invested

amount.

Advantages of Using a SIP Calculator

SIP calculator India has its advantages that it offers

to the investors:

Accurate Planning: SIP calculators forecast the

future growth of an investment well based on

specific input criteria. It includes the amount to

be funded, the duration, and the expected

return. SIP calculators apply mathematical

algorithms. It develops definite approximations

so traders can manage their finances.

Comparison of Several Scenarios: Changing

the components of your inputs in SIP

calculators, like amount, duration, and

anticipated rate, means that they help users

evaluate various investment conditions. They

assist them in making informed choices. It is

based on their economic objectives. Thus

coming up with alternative investment

strategies that may result in desirable

outcomes.

Visualisation of Potential Returns: Through

systematic investing, SIP calculators help

buyers see how their money can grow.

Regarding their investing plans, graphs and

charts are also available to help them

understand the power of compounding. It

enables them to make informed choices.

Goal Setting and Progress Monitoring: SIP

calculators aid traders in setting attainable

financial targets and monitoring their

progression towards them. By entering their

specific financial goals, such as retirement

savings or funding their child's education,

investors can estimate the required investment

amount. From there they can see how they

progress over time.

Bank SIP
Calculators

SBI SIP Calculator PNB SIP Calculator

HDFC SIP Calculator BOI SIP Calculator

Canara Bank SIP

DHFL SIP Calculator
Calculator

Axis Bank SIP Calculator HSBC SIP Calculator

Kotak Bank SIP Union Bank SIP

Calculator Calculator

Other
Calculators

PPF
RD Calculator FD Calculator
Calculator

NPS SWP SCSS

Calculator Calculators Calculator

CAGR
ROI Calculator EMI Calculator
Calculator

Lumpsum Future Value Mutual Fund

Calculator Calculator Calculator

Kisan Vikas Retirement Compound

Patr Planning Interest

Calculator Calculator Calculator

Frequently Asked Questions

How does ClearTax SIP Calculator

help you choose SIPs?

ClearTax SIP Calculator helps in

determining the final corpus at maturity
on the basis of SIP Amount, investment
tenure and expected rate of return. You
can change the inputs to check your
desired final amount. After Calculation,
you can choose the Mutual Fund
scheme that has track record of good
return and has a potential to deliver
your desired amount at maturity.

Are SIP is equal to mutual funds?

No, SIP is just a medium for investing your money in

a particular fund or scheme. It is just an

investment vehicle that helps you park your

money.

Why should I use the ClearTax SIP

Calculator?

The ClearTax SIP Return Calculator will

show you the value of your SIP
instalments at the end of the investment
tenure. You may use the ClearTax SIP
Calculator to get a birds-eye view of
your mutual fund investments. It helps
you to decide on your SIP instalments to
achieve your financial goals in time.

Does the SIP calculator include taxes

and fees?

No, it just shows the matured amount

investor can get on the basis SIP
amount, Expected Return and Tenure. It
doesn't give any information related
taxes and Fees.

What is SIP?

A systematic investment plan (SIP) is a mutual fund

investment tool that allows investors to invest at

regular intervals. Investors can select their

preferred investment frequency - weekly, monthly,

quarterly, half-yearly, or yearly. SIP offers a

disciplined way of investment and benefits

investors in the long run with the power of

compounding growth. It gives the benefit of

Rupee Cost Averaging by providing the chance to

buy more NAV (Net Asset Value) with the same

investment amount in a bear market. Additionally,

investors can choose to stop SIP whenever at

anytime.

How to calculate SIP returns in

Mutual Funds?

To calculate SIP returns in mutual funds, divide

each SIP amount by the respective NAV to get the

units, sum all units purchased, and add all SIP

amounts for total investment. Multiply total units

by the current NAV for current value. Calculate

returns using ((Current Value - Total Investment) /

Total Investment) * 100

How to calculate CAGR for SIP?

To calculate CAGR for SIP, find the final value of

the investment, initial value, and the number of

years. Use the formula: [(Final investment value /

Initial investment value)^(1/n)] – 1

In the above formula, ‘n’ refers to the investment

tenure in terms of years. This gives the annual

growth rate of your SIP investments.

How to calculate xirr for SIP?

XIRR is determined by finding the rate of return

that sets the net present value (NPV) of cash flows

to zero. The formula to calculate XIRR is as follows:

NPV Formula: NPV = Σ[Ct / (1 + r)^(t)] = 0

Variables:

Ct: Cash flow at time t

r: XIRR rate (the rate we're trying to find)

t: Time period

How to calculate profit percentage in

SIP?

To calculate profit percentage in SIP, subtract the

total amount invested from the current value of

the investment. Then, divide the profit by the total

amount invested and multiply by 100. Use the

formula:

Profit Percentage=(Current Value−Total

InvestmentTotal Investment)×100

What if i invest Rs.2000 in SIP for 40

years.

If you invest Rs 5000 for 20 years, with an

expected annual rate of return of 12 %, then your

matured amount would be approx Rs. 2,37,64000

(Earned Interest = Rs. 2,28,04,840 and Invested

Amount = Rs. 9,60,000)

What is the minimum and maximum

amount that can be invested through
SIP?

Investment through SIP can be started

with a minimum amount Rs. 500 per
month. There is no limit on maximum
amount.

Whayt is the minimum Tenure for SIP?

SIP tenure depends on Mutual Fund

scheme. However, most of mutual fund
schemes have minimum tenure of 6
months.

Can i pause my SIP Investment?

Yes, you can pause SIP investment

whenever you want.
 Popular Calculators

Interest Calculator

Income Tax Calculator

Gratuity Calculator

SIP Calculator

PF Calculator

HRA calculator

Salary Calculator

PPF Calculator

RD Calculator

SWP Calculator

Compound Interest Calculator

Mutual Fund Calculator

ROI Calculator

NPS Calculator

Discount Calculator

FD Calculator

Lumpsum Calculator

Down Payment Calculator

Retirement Planning Calculator

Other Calculators

Car Loan EMI Calculator

EMI Calculator

Post Office Monthly Income Scheme

Calculator

Kisan Vikas Patra Calculator

Payback Period Calculator

Sukanaya Samriddhi Yojana Calculator

SCSS Calculator

Present Value Calculator

CAGR Calculator

Future Value Calculator

Tax Saving Calculator

Depreciation Calculator

Post Office Calculator

Lease Calculator

SBI SIP Calculator

Crypto Tax Calculator

SBI PPF Calculator

Home Loan EMI Calculator

Personal Loan EMI Calculator

Elss Calculator

NPV Calculator

Mortgage Calculator

SBI Car Loan EMI Calculator

Follow us on C O M PA N Y

About us

Contact us

Have a query? Careers

Media & Press

Support
User reviews

Engineering blog

Clear Library

FinTech glossary

ClearTax Chronicles

GST Product Guides

Trust & Safety

Cleartax(Saudi Arabia)

PRODUCTS

Individuals Income Tax Filing

Income Tax e Filing Income Tax App android

Tax Planning Income Tax

ClearInvestment Secion 80 Deductions

ClearServices Income tax for NRI

Mutual Funds & ITR e-filing

App

Mutual funds

ClearGST Enterprises

GST ClearGST

GST Login ClearE-Waybill

GST software e-Invoicing Software

New GST returns ClearTDS

e-invoicing eWay Bill Registration

Input tax credit

CAs SMEs

CA partner program ClearGST

ClearGST ClearOne

ClearTDS Billing Software

ClearTaxCloud Invoicing Software

ClearPro App Services for businesses

ClearOne App

ClearServices HSN Lookup

Tax filing for professionals HSN Code Finder

Tax filing for traders Cement HSN Code

Clear Launchpad Transport HSN Code

Trademark Registration Plastic HSN Code

Company Registration Cloth GST Rate

TDS returns Books GST Rate

MSME Registration

RESOURCES & GUIDES

GST Resources ITR Resources

GST Registration Income Tax Slab

GST Returns Form 26AS

GST Procedure What is Form 16

GST News & Announcement Salary Income

GSTR 9 Annual Returns How to File TDS Returns

GST Payments & Refunds New Income Tax Portal

Invoicing Under GST Incometax.gov.in

GSTR-2B Income from Selling Shares

GSTR-3B Income Tax Due Dates

Mutual Fund Resources Business Resources

How to Invest in Mutual Funds Memorandum of

Mutual fund Types Understanding (MoU)

ELSS Mudra Yojana

SIP Mutual Funds Inflation & Deflation

Hedge Funds Loan Agreement

Debt Funds Succession Certificate

NFO Solvency Certificate

What is AMFI Debt Settlement Agreement

What is NAV Rental Agreement

Letters Of Credit

TO O LS

Income tax calculator PPF Calculator

EMI Calculator GST number search

Mutual fund calculator IFSC Code Search

HSN Code Finder Generate rent receipts

SIP calculator Home Loan EMI Calculator

GST calculator NPS Calculator

HRA calculator Find HSN code

RD Calculator Tax Saving Calculator

FD Calculator Get IT refund status

Gold Rates Today Salary Calculator

Currency Converter EPF Calculator

Compound Interest Calculator GST Number Search by Name

TRENDING MUTUAL FUNDS

ICICI Prudential Technology Fund Direct Plan Growth

Tata Digital India Fund Direct Growth

Axis Bluechip Fund Growth

ICICI Prudential Technology Fund Growth

Aditya Birla Sun Life Tax Relief 96 Growth

Aditya Birla Sun Life Digital India Fund Direct Plan Growth

Quant Tax Plan Growth Option Direct Plan

SBI Technology Opportunities Fund Direct Growth

Axis Long Term Equity Fund Growth

TO P A M CS

SBI Mutual Fund Nippon India mutual fund

HDFC Mutual Fund UTI mutual fund

Kotak Mahindra Mutual Fund

ICICI Prudential Mutual Fund

Aditya Birla Mutual Fund Axis mutual fund

STO CK M A R K E TS

Stock Market Live Yes Bank Share Price

SBI Share Price IRCTC Share Price

ITC Share Price TCS Share Price

Tata Motors Share Price Infosys Share Price

Idea Share Price HDFC Bank Share Price

BEST FUNDS

Best Mutual Funds Best Tax Savings Mutual Funds

Best Index Funds Best Equity Mutual Funds

Clear offers taxation & financial solutions to individuals, businesses,

organizations & chartered accountants in India. Clear serves 1.5+
Million happy customers, 20000+ CAs & tax experts & 10000+
businesses across India.

Efiling Income Tax Returns(ITR) is made easy with Clear platform. Just
upload your form 16, claim your deductions and get your
acknowledgment number online. You can efile income tax return on
your income from salary, house property, capital gains, business &
profession and income from other sources. Further you can also file
TDS returns, generate Form-16, use our Tax Calculator software, claim
HRA, check refund status and generate rent receipts for Income Tax
Filing.

CAs, experts and businesses can get GST ready with Clear GST
software & certification course. Our GST Software helps CAs, tax
experts & business to manage returns & invoices in an easy manner.
Our Goods & Services Tax course includes tutorial videos, guides and
expert assistance to help you in mastering Goods and Services Tax.
Clear can also help you in getting your business registered for Goods &
Services Tax Law.

Save taxes with Clear by investing in tax saving mutual funds (ELSS)
online. Our experts suggest the best funds and you can get high
returns by investing directly or through SIP. Download Black by
ClearTax App to file returns from your mobile phone.

CLEARTAX IS A PRODUCT BY DEFMACRO

SOFTWARE PVT. LTD.

Company Policy Terms of use

ISO 27001
Data Center

SSL Certified Site

128-bit encryption