SIP Calculator

Calculate returns and total wealth accumulated on your systematic investment plans (SIP)
One-time
Monthly SIP
One-time
Monthly SIP
1,00,000
5.6
%
10
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CUSTOM CSS
Principal
Est. return
Total value
28,70,000
Total investment:
20,00,000
Est. returns
8,70,000

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What is an SIP Calculator?

An SIP (Systematic Investment Plan) calculator is a practical online tool designed to assist in planning mutual fund investments through SIPs. By inputting details such as your monthly investment amount, the duration of investment, and the expected rate of return, this calculator projects how your investments could grow over time.

How Does an SIP Calculator Work?

Imagine an SIP calculator as a mechanism that employs the following formula to project the future value of your investment, incorporating the power of compounding—earning returns on your returns—to provide a realistic outlook on your potential savings:

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

Where,
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

How to Use an SIP Calculator

Use our Systematic Investment Plan (SIP) return calculator to determine how much your investments could grow over time based on your intended SIPs.
Enter investment details
Input your intended monthly investment amount and the no. of years you intend to invest.
01
Enter expected rate of return
Input the expected annual return, typically based on the fund's historical performance or market averages.
02
Calculate returns
You’ll see your investment's projected growth at the end of your chosen period.
03

Advantages of an
SIP Calculator

Using an Systematic Investment Plan (SIP) calculator comes with the following benefits
Financial Planning
It provides a clear projection of the future value of your investments, aiding in financial goal planning.
Experimentation
You can test various investment amounts, durations, and rates to devise a plan that aligns with your financial capacity and objectives.
Motivation
Visualizing potential investment growth can encourage you to begin investing and maintain your strategy.
Informed Decisions
The calculator offers insights that help you make decisions based on data rather than assumptions.

80,000+ NRIs
trust Vance

Vance is the preferred app among 80,000+ NRIs in the UK and UAE for sending money to India. Download Vance today.
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80,000+ NRIs
trust Vance

Vance is the preferred app among 80,000+ NRIs in the UK and UAE for sending money to India. Download vance today.
Get started now

Frequently Asked Questions

What information do I need to use a SIP return calculator?

To use an SIP calculator effectively, you will need the following information:
  • Monthly Investment Amount: How much do you plan to invest each month?
  • Investment Duration: The total number of years you intend to invest.
  • Expected Rate of Return: An estimated annual return rate, which can be based on the historical performance of the fund or market averages.

Why should I use a Systematic Investment Plan calculator?

Using an SIP calculator is beneficial for several reasons:
  • Future Planning: It helps you visualize the potential growth of your investments over time, allowing for better financial planning.
  • Goal Setting: It aids in setting realistic investment goals based on potential outcomes.
  • Comparative Analysis: You can compare different investment scenarios to find the best strategy for your financial goals and capabilities.

Is a Vance SIP calculator accurate?

The Vance SIP calculator provides estimates based on the input you provide and the formulas it uses, which are designed to reflect typical investment scenarios. While the calculator is accurate in terms of calculation, the actual returns will depend on market conditions and the specific performance of the mutual funds selected.

Can I use a SIP calculator for any type of mutual fund?

Yes, an SIP calculator can be used for any type of mutual fund that accepts systematic investment plans. This includes equity funds, debt funds, hybrid funds, and more. The calculator helps project future values regardless of the fund type, assuming the inputted rate of return is appropriate for the fund’s risk and return profile.

How often should I use a SIP return calculator?

You should use an SIP calculator whenever you plan to start a new SIP or when you consider changes to an existing investment. Additionally, it’s wise to revisit your calculations periodically, such as annually, to adjust for any changes in your financial situation, goals, or market conditions.

Can a SIP calculator be used for variable monthly investments?

Most basic SIP calculators are designed for fixed monthly investment amounts. However, some advanced calculators allow you to input variable monthly investments to accommodate changes in your investment capacity over time.

How do I choose the expected rate of return for the calculator?

Selecting the expected rate of return for an SIP calculator involves considering the investment's historical performance and the general returns of the asset class. It’s advisable to use a conservative estimate to avoid overly optimistic expectations.

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Fixed Deposit Calculator for NRIs

Calculate your returns on NRI fixed desposit using Vance NRI FD calculator

What is a Home Loan EMI Calculator?

Owning a home is not just a milestone but a dream for many. This is why - an EMI calculator for home loans is a crucial tool when you’re planning to buy a home. It’s an online tool that helps you figure out how much you'll need to pay each month towards your home loan. This gives you a clear picture of your monthly payments so you can plan your budget comfortably and see if the loan fits into your financial landscape without stretching it too thin.

How Does a Home Loan EMI Calculator Work?

Vance’s home Loan EMI calculator uses a mathematical formula that is designed to distribute the interest and principal amount over time so that by the end of the loan period, you've paid off everything smoothly. To calculate EMI for home loans, here’s the formula: 

EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]

Where,
P = Principal loan amount
N = Loan tenure in months
R = Monthly interest rate

How to use NRI FD Calculator

Calculate your returns on NRI fixed desposit using Vance NRI FD calculator

1

Enter principal & interest

Input the amount you plan to deposit and the interest rate offered by the bank.

2

Choose the tenure & frequency

Decide the duration for which the amount will be deposited and how frequently interest should be compounded

3

That’s it

Our NRI FD calculator will show you how much interest you earn and the maturity amount

Benefits of NRI FD Calculator

Here are the importance and benefits of using Vance NRI FD Calculator

Financial planning

Helps in planning financial goals and retirement.

Accessibility

Easily accessible online without any need for manual calculations.

Time-saving

Quickly calculates complex compounding calculations.

Informed Decisions

Allows NRIs to compare different FD options and choose the best one.

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Benefits of NRI FD Calculator

Here are the importance and benefits of using Vance NRI FD Calculator
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* Grow your savings with returns as high as 8.25% p.a. Read Terms and Conditions while opening a Fixed Deposit to know more.