Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (2023)

This Mutual Fund SIP Calculator will help calculate how much SIP returns you can get based on the expected return in good mutual funds.

You can consider 10% to 12% as a good return in mutual funds over a long term period of at least 5 years.

Download the SIP Returns EXCEL Calculator here

Download our Android app FinCalCto learn more details about SIP

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A Mutual Fund SIP Calculator will help you calculate your profits and the amount to maturity of your Mutual Fund SIP investment based on your deposits, expected rate of return and term.

What is the Mutual Fund SIP Calculator?

SIP-Rechner (Systematic Investment Plan).is a calculator to help you know how much profit you can expect from mutual funds based on your deposits and the expected return. This will help you define and plan your goals according to the amount of deposit you can afford each month.

(Video) SIP Returns Excel Calculator| SIP vs Lump Sum Returns| Systematic Investment Planning Explained

SIP can also be monthly, quarterly, semi-annually or annually. The calculator above will help you calculate your SIP returns based on monthly deposits as the monthly frequency of deposits is more frequent.

How Does the Mutual Fund SIP Calculator Work?

It is very easy to understand how SIP works.

You deposit a predefined amount each month for the term you choose and based on the monthly return (derived from the expected rate of return) calculate your SIP ROI. We're not talking about past SIP returns here, we're talking about future returns.

For example, if the expected return is 10% in one yearBest Mutual Funds, we divide this rate of return by 12 to get Monthly Rate = 10 / 12 = 0.83%. This rate is then multiplied by your balance amount and divided by 100. So let's say you deposit Rs. 1000 in the first month, our calculation looks like this:

= 0,83 % * Rs. 1000 / 100 = Rs. 8.33

So Rs. 8.33 is profit after 1 month based on expected return.

Again deposit Rs. 1000 via SIP which makes your balance as Rs. 2008.33 and after 2nd month your balance becomes Rs. 2016.67 and so on. You can use the calculator above to calculate your own deposits, yield and tenure.

You can also watch the following video with a real mutual fund example:

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (2)

Watch more Excel videos here

Which SIP is the best for 5 years?

There are many mutual funds that you can invest in. It's important to understand what factors to consider when making your selectionThe best index fundsif your goal is 5 years or more.

(Video) SIP vs Top-up SIP Returns Excel Calculator | Systematic Investment Plan Explained

Some of the factors are:

  • expense ratio: These are the fees charged by AMC (Asset Management Company) for managing your funds. These are annual fees and should be as low as possible when choosing mutual funds
  • AUM: This is the assets under management, which is the total amount of money invested by people in the mutual fund. More money invested by people means more confidence in that mutual fund. This isn't always the case, however, as some already popular AMCs are attempting to sell certain mutual funds to people who are unaware of the mutual fund factors to consider when increasing their AUM.
  • past returns: Although past returns are no guarantee of future returns from a mutual fund, it is important to review this statistic while choosing the best 5 year mutual fund for SIP.
  • stock portfolio: Another important factor to check is the list of stocks present in the mutual fund portfolio. Each mutual fund has a fund manager associated with it who selects a list of stocks to maximize returns on your investments. If you invest in stocks or have any idea about stock investing or fundamental analysis, be sure to look at the list of stocks that are in the mutual fund's stock portfolio.

Best mutual fund SIP in 5 years:

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (3)

Can you start SIP with Rs. 1000?

Yes, you can start SIP with Rs. 1000. Many mutual funds allow you to start SIP from Rs. 500 too, depending on how long you choose the term.

It's always better to take your time with the market and mutual funds while investing for the long term, which goes against the timing of the market. Even 8% return per year for the next 20 years can bring you excellent returns in SIP. You can check this postSIP returns for the next 20 yearsto see how Magic of Compounding works in SIP.

And yes,Compounding works in SIPand we have proved it by comparison with PPF (Public Assistance Fund) which is composed annually.

ALSO READ:How to start SIP Online (demo with SBI)

Is SIP tax free?

The returns you get after investing in mutual funds through SIP arenot tax free.

You will have to pay income tax depending on whether the mutual funds you have invested in are equity or debt funds.

In the case of Share Funds, LTCG or long-term capital gains (gains after 1 year of holding) are taxed at 10% on gains over Rs. 1 lac.

For more mutual fund taxation rules, watch this video:

(Video) 15 Years SIP Returns Calculation in Hindi | Systematic Investment Plan

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (4)

SIP Excel calculator for offline use

I've also created an Excel calculator for offline use to calculate your mutual fund SIP returns. You can download in the following section:

Download the SIP Calculator in Excel

Fill out the form below to download the SIP return calculator in Excel:

How to Calculate SIP Returns for the Next 10 Years?

You can easily calculate SIP returns for the next 10 years either using the online SIP calculator above or using the Excel calculator I provided above.

With online calculator: Here's what your SIP returns will look like 10 years from now:

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (5)

With Excel calculator: Here's what your SIP returns will look like 10 years from now:

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (6)

Difference between SIP and capital investment

As mentioned above, SIP is a systematic way to invest in a mutual fund or other investment option, while lump sums are another way to invest by investing all your money at once.

When you make lump sum investments, you take short-term risks with your lump sum as the market can fall in the short-term. So if you can take that risk and see your returns in your portfolio as negative, then you can invest lump sums.

But as we all know, with high risk comes high reward, so a lump sum vs. SIP gives you better long-term returns because you buy more mutual fund shares in a lump sum vs. SIP investing.

SIP vs flat rate which is better

The best strategy is to invest through a combination of both. Start SIP regularly and invest a lump sum when you've raised it to take advantage of the down market to buy more mutual fund shares while investing for at least 5 years or forever!

(Video) ₹1000 SIP vs RD Returns Calculation | Which is Better between SIP & RD?

ALSO READ:

Some more reading:

  • Rs. 2000 SIP vs. Step-up-SIP-Return-Berechnung
  • Taxation of STCG (Short Term Capital Gains) with examples
  • Rs. 1000 SIP return calculation for 15 years
  • XIRR calculation in mutual funds

You can also donate!

I found itHelpful?DONATE any amountto see more useful content.Scan the following QR codewith any UPI app!

Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (7)

UPI-ID:abhilashgupta8149-1@okhdfcbank

Confirm that you "Pay Abhilash Gupta' before making the transaction so it reaches me. It makes my day 🙂

Thank you for your donation. Stay tuned!

Income Tax Calculator App – FinCalC

For income tax calculation on your mobile device you canDownload my Android app "FinCalC".which I have developed for you to make your income tax calculation easier.

What can you do with this mobile app?

  • Calculate income tax for new FY 2022-23 and previous FY 2021-22
  • Enter estimated investments to check income tax with old and new tax system
  • Store and regularly track income tax details
  • Know how much more you need to invest to save on income tax
  • More calculators including PPF, SIP yields, Savings Account Interest and much more
Investment Fund SIP Calculator Yield - Systematic Investment Plan - FinCalC (8)

Use popular calculators:

  • Income Tax Calculator
  • Home Loan EMI Calculator
  • SIP calculator
  • PPF calculator
  • HRA-Rechner
  • Boost SIP Calculator
  • Savings Account Interest Calculator
  • flat rate calculator
  • FD calculator
  • RD calculator
  • Auto Loan EMI Calculator

I'd love to hear from you if you have any questions about personal finance and money management.

JOIN THE Telegram Groupand stay up to date with the latest personal finance news and topics.

Download our free Android app – FinCalCto calculate income tax and interest on various small savings plans in India including PPF, NSC, SIP and many more.

(Video) PPF vs Mutual Funds Which is Better? SIP Returns With Calculators [Hindi]

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Videos

1. SIP Returns in Sensex for 25 Years | SIP Returns Calculation Examples in Hindi
(FinCalC TV)
2. 10 Years SIP Returns Excel Calculator | Systematic Investment Plan Returns Calculation
(FinCalC TV)
3. 20 Years SIP Returns Excel Calculator | Systematic Investment Plan Returns Calculation
(FinCalC TV)
4. How to Calculate Mutual Fund Returns | SIP & Lump sum Returns Calculator using Excel Examples
(FinCalC TV)
5. SIP Returns on Rs. 1000 SIP in Mutual Funds @12% #fincalc
(FinCalC TV)
6. SIP Returns Calculation Examples - ₹2000 for 1-15 Years | Calculate SIP Returns (Hindi)
(FinCalC TV)

References

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