You wants to invest in Mutual funds through SIP but don’t know how much return you will get? Then don’t worry this SIP Calculator online tool will help you to calculate returns on SIP investment.

**What is a SIP Calculator?**

A (Systematic investment plan calculator) SIP Calculator online is a powerful tool designed to help you to calculate your project potential returns on your mutual fund investments across various timeframes, ranging from weeks, months to 40 years. By adding your investment details, this SIP return calculator will provide you estimates on your mutual fund returns, total investment, wealth accumulation, and maturity value.

However, it’s important to note that while the mutual fund calculator only offers you valuable insights, it doesn’t calculate actual returns offered by mutual fund scheme companies because the actual rate of returns depends on various factors. These factors can include market fluctuations, fund performance, and economic conditions.

## Best Mutual Funds

Mutual Funds | Expected Returns |

Kotak Emerging Equity Fund | +28.58% |

PGIM India Midcap Opportunities Fund | +27.49% |

Nippon India Small Cap Fund | +38.95% |

Kotak Small Cap Fund | +31.35% |

Nippon India Growth Fund | +32.02% |

We don’t recommend these funds. This Only For Educational Purpose

**How can a SIP Calculator Help You?**

Are you tired of struggling with complicated math to figure out how much money you’re making? We understand the frustration. That’s why we’ve developed this user-friendly SIP value calculator to simplify the process for you. Our calculator can tell you how much returns you will make from your investment in a certain time period, like a month or a year. Knowing how much you could earn is really important for making smart choice.

**With this calculator, you can:**

**How does SIP Returns Calculator Work?**

If you want to know how our calculator basically works let’s break it down. Our calculation method is straightforward yet effective. We use a precise formula given below to calculate your expected returns.

**Formula: **

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

M | Represents the amount you receive upon maturity. |

P | Denotes the sum you invest at regular intervals. |

N | Stands for the number of payments you’ve made. |

I | Represents the periodic interest rate. |

Now I will explain to you with an example how it works. Suppose you’re investing ₹500 per month for 2 years at a periodic interest rate of 10%.

The monthly rate of return would be approximately **14%/12 = 0.00833333333.**

Rate of return per month would be **14%/12 = 0.00833333333**

**Using the formula:**

M = 500 × ({[1 + 0.00833333333]^24 – 1} / 0.00833333333) × (1 + 0.00833333333)

Your approximate final maturity amount would be** ₹13,334.**

**How to use a SIP Calculator?**

To use the SIP return calculator effectively, follow these simple steps:

**Benefits of SIP investment as compare to Lump Sum**

**Types of SIP**

**There are five types of SIP which are available in the market. And each of these six types of SIP have been created to fulfill a certain need or requirement.**

**Regular SIP**: This is offered by almost all of the fund houses. Basically it means that you are investing a predefined amount at regular intervals and for a fixed time period. For example, I decided to invest 5000 every month for a period of one year in a particular scheme. So in which the predefined amount is five thousand, regular interval is monthly and investment is for a fixed time period of one year.

**Perpetual SIP**: It means that the amount will remain predefined along with the frequency of investment but you will not define the tenure. If I continue from the previous example the amount would be 5000 and frequency of investment will be monthly but money will keep investing till such time that i provided the instruction to stop the sip.

**Top SIP**: It increases the SIP amount either by a fixed amount or percentage every 12 months. Now you may ask how it could be relevant to you. If you are in a salary job you know that your salary will increase the next year of course the quantum may differ. So top up SIP allows your investment to also keep pace with your salary and with inflation.

**Flexi SIP**: By its very name it is flexible in nature so this enables you to make changes in either investment amount or in the date. So, the investor with any sort of irregular money flow either by the way of income or by the way of expenses can just adjust their SIP amount based on their financial conditions.

**Multi SIP**: This SIP is for those who require ease and convenience of their transaction. So, multi SIP allows a person to invest in multiple schemes of the same fund house through a single SIP or transaction.

**Tax on SIP Mutual fund**

**SIP is the best option for investors but it does not mean that you don’t have to pay tax in SIP. But yes, you have to pay tax on SIP mutual funds tax. Here are the details of tax implications.**