SIP & Goal Planning Calculator
See what your money can become — then get a plan built around your goals.
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Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly (usually monthly) into a mutual fund, helping you build wealth steadily through the power of compounding and rupee-cost averaging.
Is SIP safe?
SIPs invest in mutual funds, which are market-linked. They are regulated by SEBI and are generally considered a disciplined, transparent way to invest for the long term, though returns are not guaranteed and are subject to market risk.
What is the best SIP amount to start with?
There is no fixed "best" amount — it depends on your income, goals and time horizon. Many investors start with 10-20% of monthly income and increase it over time using a step-up SIP.
Can I pause or stop my SIP?
Yes, most fund houses allow you to pause, stop, or modify your SIP amount at any time, though staying invested for the long term typically produces better outcomes.
SIP vs Fixed Deposit (FD) — which is better?
FDs offer fixed, guaranteed returns with low risk, while SIPs in equity mutual funds carry market risk but have historically offered higher long-term returns. The right choice depends on your risk appetite and time horizon.
SIP vs Recurring Deposit (RD) — which is better?
RDs are safer with fixed returns similar to FDs, while SIPs offer growth potential linked to markets. Many investors use a mix of both for balance.
Can a SIP help me plan for retirement?
Yes — a long-term SIP with a step-up feature can help build a substantial retirement corpus, especially when started early and adjusted for inflation.
Can a SIP fund my child's education?
Yes — by entering your child's current age, expected college age and today's education cost, our Goal Planner estimates the future cost and the monthly SIP required to fund it.
Disclaimer: Mutual fund investments are subject to market risks. Returns shown are illustrative and not guaranteed. Please read all scheme-related documents carefully before investing. LIC and insurance-linked products are subject to the terms of the respective policy documents. This calculator is for educational purposes only and does not constitute investment or tax advice.
Naushad Ahmad
Certified Financial Planner & Uberrima Fides Expert · India (Serving NRI & HNI clients worldwide, remotely)
SIP Investment Report
SIP Calculator – Systematic Investment Plan Calculator
Prospective investors can think that SIPs and mutual funds are the same. However, SIPs are merely a method of investing in mutual funds, the other method being a lump sum. A SIP calculator is a tool that helps you determine the returns you can avail when parking your funds in such investment tools. Systematic Investment Plan or SIP is a process of investing a fixed sum of money in mutual funds at regular intervals. SIPs usually allow you to invest weekly, quarterly, or monthly.
What is a SIP Calculator?
A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP. SIP investments in mutual funds have become one of the most popular investment options for millennials lately.
These mutual fund sip calculators are designed to give potential investors an estimate on their mutual fund investments. However, the actual returns offered by a mutual fund scheme varies depending on various factors. The SIP calculator does not provide clarification for the exit load and expense ratio (if any).
This calculator will calculate the wealth gain and expected returns for your monthly SIP investment. Indeed, you get a rough estimate on the maturity amount for any of your monthly SIP, based on a projected annual return rate.
How can a SIP return calculator help you?
SIPs are a more lucrative mode of investing funds compared to a lump sum amount according to several mutual fund experts. It helps you become financially disciplined and create a habit of savings that can benefit you in the future.
A SIP calculator online is a beneficial tool, which shows the estimated returns you will earn after the investment tenure.
Few of the benefits of SIP calculators include –
- Assists you to determine the amount you want to invest in.
- Tells you the total amount you have invested.
- Gives an estimated value of the returns.
How do SIP calculators work?
A SIP plan calculator works on the following formula –
M = P × ({[1 + i]^n – 1} / i) × (1 + i).
In the above formula –
- M is the amount you receive upon maturity.
- P is the amount you invest at regular intervals.
- n is the number of payments you have made.
- i is the periodic rate of interest.
Take for example you want to invest Rs. 1,000 per month for 12 months at a periodic rate of interest 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 will differ as per market conditions. It may increase or decrease, which will change the estimated returns.
How to use NFC’s systematic investment plan calculator?
You can use the SIP amount calculator from NFC within a few clicks.
Just enter the monthly invested amount (the amount for which you have started the SIP), the number of years for which you want to stay invested, and the expected rate of return.
As soon as you input the value, the calculator will show you the estimated amount you can avail after your investment tenure is complete.
Advantages of using NFC systematic investment plan calculator
NFC offers the best SIP calculator, which provides the following advantages –
- Plan your investment based on the amount and tenure.
- It helps you compute an estimation of the total value of investments at the end of your SIP tenure.
- Shows accurate results and helps you save time required during a manual calculation.
A systematic investment plan calculator ensures that your savings portfolio is as per your requirements and financial needs.
FAQ’s
How much can I invest in a SIP?
There is no limit to the amount you can invest in a SIP. The minimum amount that you can invest is Rs. 100 per month.
What is the maximum tenure of a SIP?
There is no maximum tenure of a SIP. You can invest as long as you can. The minimum tenure you can go for is 3 years.
Are SIPs similar to mutual funds?
People often tend to think of SIP as either mutual funds or different than a mutual fund. The fact is that SIP is just a style of investment and not a fund/scheme or a stock/investment avenue. It is an investment vehicle to invest periodically in a fund/scheme of your choice.
Can I modify my SIP amount?
Yes, you can anytime check your returns with SIP investment calculator and increase or decrease the SIP amount
Do SIP allows only equity mutual funds investments?
No, you can invest in debt and hybrid mutual funds through SIP.
What are the types of SIPs available?
Different types of SIPs are available in the market like –
Step-up or top-up SIP: A step-up or top-up SIP enables you to increase the investment amount automatically at specified intervals at a particular amount or percentage.
Perpetual SIP: A perpetual SIP enables you to keep investing as long as you wish to without any end date.
Trigger SIP: A trigger SIP lets you start investing during a specific index level, NAV, date, or event.
Flexible SIP: A flexible SIP lets you change the amount you are investing in according to your preference.
Can I renew a SIP?
Yes, you can renew a SIP automatically. Companies also give you the option to cancel this auto-renew feature.
Can I pause my investments in a SIP?
Yes, mutual fund companies also provide the option of pausing your SIP investments up for a specified period.
