A lot of people think SIPs (Systematic Investment Plans) and mutual funds are the same, but that's not quite true. A SIP is a way to invest regularly in a mutual fund; the other way is to invest a big lump sum all at once.
A lot of people think SIPs (Systematic Investment Plans) and mutual funds are the same, but that’s not quite true. A SIP is a way to invest regularly in a mutual fund; the other way is to invest a big lump sum all at once.
A SIP calculator is a simple online tool that helps you estimate how much money you might earn if you invest regularly through SIP in a mutual fund. SIPs let you put in a fixed amount weekly, monthly, or quarterly.
A SIP calculator lets you see a rough idea of the returns you could get from your regular mutual fund investments made through SIP. These days, more and more people, especially beginners and young investors, are using SIPs to start investing.
These SIP calculators are designed to give you an estimated value of your mutual fund investments over time. Remember, the exact returns can be different because of things like fund performance, fees, and market changes. Most SIP calculators do not include extra costs like exit loads or expense ratios.
This calculator gives you an estimated future amount and wealth gain based on the amount you plan to invest every month and an expected rate of return.
Most experts suggest that SIPs are better for regular investing than putting in a lump sum, as they help you build saving habits and financial discipline over time.
M = P \times \left(\frac{[1 + i]^n – 1}{i}\right) \times (1 + i)
Where:
– M= the final maturity amount you will get
– P = the amount you invest at regular intervals
– n = the total number of payments you make
– i = the interest rate for each period
For example, if you invest ₹1,000 every month for 12 months at an annual interest rate of 12%:
– Monthly rate = 12%/12 = 1% (or 0.01)
– Your total estimated amount at the end would be about ₹12,809 after one year.
The interest rate can go up or down depending on the market, so the actual amount may change.
The calculator instantly gives you the estimated total value you will have at the end of your chosen period.
Using a SIP calculator helps you see if your savings plan matches your financial needs.
Frequently Asked Questions about Goals
You can start a SIP with as little as ₹500 per month (amount varies by fund). RingMoney calculator helps you estimate how even small amounts can grow over time.
Not exactly. SIP is a method of investing in mutual funds. Instead of investing a lump sum at once, you invest small amounts at regular intervals.
Yes. You have the flexibility to increase, decrease, pause, or even stop your SIP at any time, depending on your financial situation.
No. The calculator provides an estimate based on assumed returns. Actual results may vary since mutual funds are subject to market risks.
Yes, you can increase or decrease your SIP amount anytime by checking your expected returns with the calculator.
When you start investing through a SIP, you usually fix a certain amount to invest every month. But as your income grows, wouldn’t it make sense to increase your SIP amount too? That’s where a Step-up SIP comes in.
A Step-up SIP Calculator helps you estimate how much wealth you can build if you increase your SIP contribution by a fixed percentage or amount every year. This small annual “step-up” can make a big difference to your final corpus over time.
A Step-up SIP calculator lets you see how much more wealth you can create by gradually increasing your SIP amount each year instead of keeping it constant. For example, if you start investing ₹5,000 per month and increase it by 10% every year, the calculator shows how your total wealth grows faster than a normal SIP.
These calculators are great for people whose income rises every year, such as salaried professionals, as they help you invest more without feeling a financial strain.
The calculator takes into account:
Your initial monthly SIP amount
The annual step-up percentage or increase amount
The total investment duration (in years)
The expected annual rate of return
It then calculates how your investments and returns grow each year with the step-up.
Formula (Conceptually):
Each year, your SIP amount increases by the chosen percentage or amount. The calculator compounds this growth annually based on the expected rate of return to show your estimated maturity value.
For example:
If you start a SIP of ₹5,000/month, step it up by 10% each year, and invest for 10 years at an expected annual return of 12%, your total wealth could grow to around ₹11.6 lakhs — significantly higher than a regular SIP.
Enter your starting monthly SIP amount.
Add your expected annual increase (step-up %).
Choose your investment duration (in years).
Enter your expected annual rate of return.
Instantly see your total estimated value and wealth gain.
A Step-up SIP Calculator helps you visualize how small, consistent increases can multiply your returns — a great way to “level up” your investing habits as your career grows.
Frequently Asked Questions about Goals
A Step-Up SIP allows you to increase your SIP amount gradually (for example, every year), so your investments grow along with your income.
You can begin with the standard SIP minimum (as low as ₹500 per month), and then set a step-up percentage or fixed increase.
In a regular SIP, your monthly contribution stays the same. In a Step-Up SIP, your contribution increases at a set interval, which can accelerate wealth creation over time.
Yes. Just like a regular SIP, you can modify, pause, or stop your Step-Up SIP whenever needed.
It’s especially useful for salaried professionals and young investors whose income rises over time, helping them invest more without straining their current budget.
It shows how small increases in your SIP contributions over time can significantly boost your future wealth, thanks to the power of compounding.
Unlike SIPs where you invest regularly, a Lumpsum investment means you invest a large amount of money all at once into a mutual fund.
A Lumpsum Calculator helps you estimate how much your one-time investment could grow over a specific period, based on an expected annual rate of return.
A Lumpsum Calculator is an online tool that shows how your investment might perform over time if you invest a fixed amount at once instead of monthly installments.
It’s especially useful for investors who receive bonuses, inheritances, or have savings they want to grow effectively through mutual funds.
It uses the compound interest formula to estimate the future value of your investment:
Formula:
A = P × (1 + r/n)^(n×t)
Where:
A = final maturity amount
P = initial investment amount
r = expected annual rate of return (in decimal form)
n = number of times returns are compounded in a year
t = number of years invested
Example:
If you invest ₹1,00,000 for 10 years with an expected annual return of 12%, the estimated future value will be around ₹3,10,585.
(Actual returns may differ depending on fund performance and market conditions.)
Enter the amount you plan to invest once.
Enter the number of years you wish to stay invested.
Enter your expected annual rate of return.
The calculator will instantly show you the estimated maturity value and total gains.
Frequently Asked Questions about Goals
A lumpsum is a one-time investment in mutual funds, instead of investing in small parts like in SIP.
The minimum investment varies, but generally you can start with ₹1,000–₹5,000 depending on the mutual fund scheme.
It estimates the future value of your one-time investment based on your time horizon and expected return rate.
It depends on your financial situation. SIPs spread investments over time and reduce market timing risk, while lumpsum can work better if you have surplus money to invest for the long term.
Yes. Many investors start with a lumpsum amount and continue with SIPs, balancing both strategies to grow their wealth.
No. Just like SIPs, returns depend on market performance. The calculator only provides an estimate to help you plan better.
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