Mutual Fund Calculator - App to Calculate Your SIP & Lumpsum Returns

The simple Mutual Fund SIP Calculator app that helps you calculate the returns on your mutual fund's investments for both Lumpsum and SIP investments.

SIP Calculator is useful for calculating maturity amounts of mutual fund investments when you are planning for financial goals. You can also find the returns required to achieve your financial goals and select mutual funds accordingly.

Note - Mutual fund returns over the long term can be estimated as 10% (Conservative), 12%
(Moderate) and 14% (Aggressive) for your reference

What is SIP?

A SIP (Systematic Investment Plan) is a smart and easy way to invest in Mutual Funds. SIP allows you to invest a fixed amount on a regular basis. It is a planned approach towards investments that helps you develop a discipline of regular investing and create more wealth over the long term.

How does it work?

SIP orders are processed with the help of Nach or Bank Mandates which allows Mutual Fund company to directly debit your bank accounts with the specified amount as prescribed in your first order at a scheduled date each month. This removes the hassle of regular orders and the facility keeps investing money on a routine basis from your bank account. Since SIP buys a higher quantity of units in low/bear markets and lesser quantities in bull/high markets, it also helps you to bring down the cost of your investments over time.

Hence, investors starting SIP benefit from both compounding and lesser risk.

What is compounding?

Compounding refers to a simple rule - the sooner you begin investing, the more your money grows with time. Let us understand this with an example.

Kotak started investing Rs. 5000 in SIP at the age of 30. He planned to invest until his retirement at 60. Assuming returns of 15% per year, by the age of 60 Kotak will have a total amount of 3.5 crores.

Aditya started investing Rs. 10000 in SIP at the age of 40. Assuming the same returns and retirement age, he will have an amount of 1.5 crores.

Even though Kotak is investing a smaller amount every month he has created more than twice of Aditya’s wealth by starting early.

How to start a SIP

To start a SIP investment, you can download apps like Investica, Paytm Money, Groww or Scripbox as they provide a single window for investing in multiple mutual funds.

What are the advantages of SIPs?

1. Disciplined investing

SIPs ensure that you invest regularly and helps you develop the habit of investing. Disciplined investing is one of the first steps towards attaining your financial goals.

2. Convenience

SIP is an easy way to invest in Mutual Funds. You just need to complete a one-time online registration with your bank to start a SIP.

3. Wealth Creation

When you invest in a SIP over the long term, you can accumulate significant wealth. A SIP of Rs. 1000 for 20 years can provide more than Rs. 25 lakhs.

4. Flexibility

SIPs do not have any lock-in period, which means you can cancel or redeem the investments anytime. You can also increase or decrease the SIP amount and duration.

Investing in a SIP has proven to be one of the best ways to create wealth for an investor. Start a SIP in Mutual Fund today!

The XApp SIP Calculator Can Be Used As

» SIP Returns Calculator app
» Lumpsum Returns Calculator app
» Mutual Fund Returns Calculator

Please note that this SIP calculator app has been made in the context of SIP/Lumpsum mutual fund investments.

Mutual Fund App: https://investica.com/info/mutual-fund-app
Calculate Your SIP: https://investica.com/tools/sip-calculator