What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator is an online tool that helps you estimate the future value of your mutual fund investments when you invest a fixed amount at regular intervals — typically every month.
Instead of guessing how your money might grow, the calculator uses your monthly investment, expected rate of return, and investment duration to project the maturity amount, total invested sum, and estimated wealth gain.
You can also compare a monthly SIP with a one-time lump sum investment using the tabs above the calculator.
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 formula above —
- 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 an example where you invest ₹1,000 per month for 12 months at an annual interest rate of 12%.
You cannot simply divide the annual return by 12 to get the monthly rate. SIP returns compound every month, so the effective monthly rate is slightly lower than the annual rate divided by 12.
Monthly Return = ([1 + Annual Return]^(1/12)) − 1
- For a 12% annual return, the effective monthly return is approximately 0.96%, not 1%.
- Using this rate with ₹1,000 invested each month for 12 months, the maturity amount works out to approximately ₹12,796.
Interest rates on mutual fund investments differ based on market conditions. The calculator uses the expected return you enter to produce an illustrative estimate.
How to use Bikesh Finserv's systematic investment plan calculator?
You can calculate your SIP returns in a few clicks. Enter your monthly invested amount, the number of years you plan to stay invested, and the expected rate of return.
The calculator instantly shows the estimated total value at the end of your SIP tenure — including invested amount, estimated returns, and maturity value — along with a visual breakdown in the chart above.
Switch to the Lumpsum tab if you want to compare a one-time investment instead of monthly SIP contributions.
Advantages of using Bikesh Finserv systematic investment plan calculator
Bikesh Finserv offers a SIP calculator that 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.
Disclaimer
SIP calculator results are illustrative and based on the inputs you provide. Mutual fund investments are subject to market risks. Actual returns may vary and are not guaranteed. Past performance does not indicate future results. Please read scheme-related documents carefully and consult a qualified financial advisor before investing.
FAQs
Most mutual fund houses allow SIP investments starting from ₹100 or ₹500 per month, depending on the scheme. There is usually no strict upper limit — you can invest any amount that fits your budget and financial goals. Use our calculator to see how different monthly amounts affect your projected returns.
SIPs can typically run for as long as you wish — many investors continue for 10, 15, or 20+ years. There is no fixed maximum tenure in most open-ended mutual fund schemes. Longer tenures generally allow more time for compounding to work in your favour.
A SIP is not a separate product — it is a mode of investing in mutual funds. Instead of investing a lump sum, you invest a fixed amount at regular intervals (usually monthly) into a chosen mutual fund scheme. The fund itself remains a mutual fund; SIP is simply the disciplined way of investing in it.
Yes. Most AMCs allow you to increase, decrease, or stop your SIP through their website, app, or by submitting a request. Some funds also offer a Step-up SIP feature that automatically increases your monthly contribution at a predefined rate each year.
No. SIPs are available across fund categories — including equity, debt, hybrid, index, and ELSS (tax-saving) funds. You can choose a scheme based on your risk appetite, investment horizon, and financial goals.
Common SIP types include Regular SIP (fixed amount every month), Step-up SIP (amount increases periodically), Flexible SIP (vary the amount within limits), and Trigger SIP (investments triggered by market conditions). Perpetual SIPs run until you cancel them, while fixed-tenure SIPs end on a set date.
Yes. When a fixed-tenure SIP ends, you can renew it for a new period or switch to a perpetual SIP. If your SIP was set up with auto-renewal, it may continue automatically — check with your fund house or distributor for the exact process.
Many fund houses allow you to pause a SIP for a few months (typically up to 3–6 months) without cancelling the mandate entirely. This can be useful during temporary cash-flow constraints. Pausing is different from stopping — you can resume once the pause period ends.